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#he's a baby with a licence to practice law
grantyort · 1 year
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Hoshino: I'm a real lawyer and I demand to be taken seriously!
Also Hoshino: *wears his backpack on a mission like he's on a school trip*
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pure-kirarin · 3 years
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Driving with One piece characters
Hey guys I wanted to write some blurbs and got carried away haha. This is only part 1 and I will make another part. I want to thank @donvampiro for her funny comments as well. Some were inspired by her ! Characters : Sabo - Ace - Law - Koby - Zoro - Usopp - Franky - Shanks - Kid
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Sabo
-Tells you to drive slower but when he's driving alone he drives super fast and exceeds speed limitations. -Tries to give off a good example. Key word is "tries". -This man goes f a s t -Criticizes traffic laws all.the.time. When you get your driving licence he tells you the famous "Traffic laws are one thing, reality is another." -He is very protective of you. It's a bad idea to practice driving with Sabo. -He gets super anxious around you, I quote, "his baby" being on the streets with crazy people out there, driving without any sense of safety. -If he gets stopped for exceeding the speed, he accelerates and says “Please don’t do that Y/N.” -Fuck the authority.
Ace
-Honestly ? It's a miracle that this man got his driving licence. -Might fall asleep on the wheel. -Has many fake driving papers since they always get confiscated. -He was practicing driving without a licence since he was like twelve. -Failed the theoretical test six times. -Broadcasts music on maximum volume -Never learn to drive with this man, he is a public danger. -Never ever ask him why he did something, he drives by instinct. -He wouldn't be able to explain how to cross a roundabout "well...You just like...go in ya know ? Just like this, watch n' learn baby." -Learn what exactly ? To this day, it's still an unsolved mystery... -Almost runs into someone and his excuse is like “Oops ! sorry dude ! Didn’t see ya comin’ !” -Y/N : *stares with a judgemental look* Ace: What ? It’s not like I killed him or something ! And hey it wasn’t my fault he didn’t have to be there.
Law
-Drives a maserati -Amazing driving skills. -The perfect balance of knowing the traffic laws and having experience on the streets. -Parks the car perfectly in the parking space. -He WON’T park the car unless there is an identical distance [5 cm] from all the sides. He is a bit OCD not gonna lie. -Reminds you to put on your seat belt : safety comes first. -His tattooed fingers on the manual gearbox is honestly a kink I didn’t even know existed. -He changes the manual gearbox with a few fingers and that’s so fucking sexy. -This man runs on caffeine and doesn’t get enough sleep so he might doze off sometimes. -Never has music on when he drives and that makes him look like a psycho. If he puts on music, then it’s some kind of soft jazz.
Koby
-Respects traffic laws religiously. -Doesn't drive extremely slow and respects speed limitations. He never got a fine ! -If he ever got into an accident, it's 99% chances that it was the other driver's mistake. He still apologizes for it tho. -Learning to drive with Koby is somehow stressful, he gives good theoretical advice, but he is also very anxious when you're the one driving. -He warns you about a speed bump like 1 km before. -"Turn signal babe, don't forget the turn signal ! It tells the driver behind you your direction" the proceeds to tell you about the traffic laws for the 10th time in thirteen minutes.
Zoro
-This man doesn't have a driving licence. Giving him one would be creating a disaster. -If the stars were alined and he got a driving licence it was by some miracle -(or maybe the inspector was in a really good mood that day) -please don’t leave this man unsupervised. -Groans and honks the car horn at every single inconvenience. -That includes someone overtaking his car. -And of course the one we’re all waiting for : he gets lost even with GPS. He has 0 sense of orientation. -If you “learn” driving with this man, there are more chances that you’ll be the one teaching him. There is no learning to be done. -He's never on the streets without a sake flask.
Usopp
-”If God Usopp is the one teaching you to drive, you’ve got nothing to worry about !” with a thumbs up. -”And thaaaaaaat’s… how you get into an accident !” “Well, Usopp, I wasn’t trying to get into an accident you know…” -He gets really nervous whenever you’re the one driving “We are going to die, we are going to die, we are going to die. AHH ! slow down, slow down ! I’m never coming with you again.” -One good thing about driving with Usopp is that whenever you get arrested for exceeding speed or not following traffic laws he always finds a way to not pay the fine or get his licence confiscated. -And that’s by lying of course. “Didn’t you know that I am actually your boss’s cousin ? I’ll let it go this time because you’re new here.”
Shanks
-Reckless driver himself but gives amazing advice. -If you learn with this man, be prepared to become a blushing mess as he gets really touchy. -Guides your hand softly on the wheel when you’re turning and the turn is too tight. -”Relax doll, your hands are too stiff on the wheel. Driving is about confidence.” - charming smile. -Excuse me ? How to relax when you have Red hair Shanks as your special driving teacher ? -Whenever other people honk at you for being too slow, he lowers his window and goes “Easy on her ‘kay ? She’s still learning.” -”Good girl, that was a really good start. Soon you’ll drive even better than me !” -He is very encouraging and patient. He laughs it off whenever you make any mistake. -Knows the best shortcuts for any road !
Franky : -SUPPEEER good teacher. -He has the coolest car ever. He probably made it himself. -He always picks up people that do auto-stop. -Probably puts on some country music (don’t ask me why, I have no idea.) -Gives good advice and tips about parking your car perfectly. -Compliments other people’s driving skills and cars whenever he’s driving. -When you are the one driving, he makes sure to accommodate the seat to your size. -If you’re too small he adds a little cushion. -He is very chill and doesn’t stress you. Tells you that it’s normal to make mistakes when you’re a beginner. -Tears of pride when you get your driving licence from the first try !
Kid
-Refuses to put a seat belt on and his excuse is “It’s fucking squeezing my junk” -Another public danger is spotted. -And yet another fake licence holder. -Screams, honks, groans a lot. -He has no patience. -Broke the manual gear several times. -Whenever someone overtakes his car he sees it as some kind of threat or challenge. “I’m gonna show ya who drives faster, motherfucker.” -He basically teaches you how not to drive : how to exceed speed, how to overtake a car on the right, how to create a disaster. -Never stops at the “stop” sign. -takes so much space whenever he parks his car. He literally takes space for two cars. -Probably has a truck driving licence. Chances are he threatened the inspector to get it. -Louder for the people in the back : You're going nowhere with this man.
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astroboots · 3 years
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Telltale Heart
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Summary: Frankie failed a standard drug test, lost his pilot licence and disappeared for a month to Colombia while under suspension, and even though you decided to stay with him, you find yourself unable to forgive him.
Pairing: Frankie Morales x female reader
Rating: Explicit for strong smut, angst angst angst, swearing, PTSD, anxiety, mentions of former drug use, unhappy marriage.
Wordcount: 14.9k (I'm just as shocked as you are)
Astroboot’s Masterlist | Playlist
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Maybe the right decision would have been a divorce.
On paper, only a madwoman would have stayed. The man failed a standard drug test at work for cocaine and lost his pilot licence. Then still under suspension, he’d left the country for a month-long stint (promising it’d only be a week). Leaving you and your new baby at home. Leaving you to wonder if this meant you would have to carry on as a single mother from then on. 
When he finally returned, it was with $17,000 deposited in your joint bank account and a haunted look in his eyes, attached to a poorly made up lie.
And as you were contemplating whether to stay and forgive; or leave and resent him forever, your family and friends all told you that: ‘sometimes good people make bad decisions. They fuck up, but it doesn’t mean they’re bad. Just human, capable of making mistakes.’
You must be insane, because despite everything, you stayed. Despite everything, you still think of Frankie as a good man. A good husband, and a good father to your daughter.
He’s the kind of husband who would drive out to the Waffle House at 2am on a workday because his pregnant wife couldn’t sleep and had food cravings. Staying up next to you, even as he had work early in the morning, watching you devour the greasy waffles in bed with the extra maple syrup he got for you. Patiently listening to your rants on Law and Order inconsistencies as it played in the background. Frankie would chuckle quietly, a hand resting on your thigh, thumb idly stroking the inside of your knee, responding in soft murmurs, as he rested his head on the side of your hip with a sleepy smile that even after a full on decade always made your chest swell overwhelmingly lush, every single time.
He’s the kind of father that nearly broke the baby crib, because he couldn’t bear the sound of his daughter crying and climbed inside to sleep with her. That’s where you’d found them the next morning, his long legs comically hanging over the ledge, with Carmentéa snuggled peacefully against his chest. You lingered so long that morning you ended up late for work, unable to drag yourself away, wanting to etch that stolen moment into your brain with permanent ink, forever visible behind your eyelids. That very same image came back to haunt you whenever you imagined what life would be like for Carmentéa and you, without Frankie, and you realized you couldn’t ever let go.
You forgave, deciding that his mistakes did not erase all the things he had done right in the decade prior. Or rather, you tried to forgive but forgiveness wouldn’t come and you didn’t understand why.
It’s what always happens in the movies; the man grovels, the woman forgives. There’s a passionate kiss; all is well, cue the credits with a heart swelling cinematic score. Instead, you ended up in what was the lowest rung of hell for the both of you. Where you live under the same house, and barely talk to each other; be in the same room but avoid eye contact. One of you will enter a room and round the furniture so you don’t accidentally brush up against each other.
Sex is sparse, sometimes months in between. Maybe it’s the lack of practice but the sex between you now reads like a joke about two mormons who have never experienced sexual intimacy until their wedding night. You’d been the one to initiate it last time, and the time before that. Frankie never asks anymore, for anything. 
This time it’s hurried and awkward, heavy limbs uncomfortably jabbing into your ribs as he tries to sheathe himself into you. It’s pairing Legos with Mega Bloks that you hoped would fit, but somehow don’t. Mercifully, the sound of Carmentéa crying is picked up by the baby monitor, and Frankie drags himself away from you with a regretful murmur, hastily dressing as he heads towards the nursery, but you had already felt him softening inside of you before that.
As you reach for the nightlight on your side of the bed, Frankie is back in the room and clears his throat as if to warn you he is going to break the neverending silence that you’ve both grown accustomed to.
“Anniversary is coming up next month, I was thinking we could go somewhere nice?”
Turning in the bed, you see the warmth of the nightlight behind him casting a dim glow over his dark hair that’s always at least a little bit rumpled. It’s slightly overgrown now to the point where it is curling at the edges of his ears, and there’s a feeling you can’t identify that sits achingly heavy on your chest, until you recognize it as a memory of a feeling you can’t get back. The tender joy you used to get when he’d press his ear firmly to your collarbone and you’d trail your fingertips through his messy curls until his eyes fluttered close with a contented sigh against your skin.
“Is that ok?”. There’s hesitation etched in the frown of his brow, and you realize that you still haven’t said yes. How odd is it that things have come to this, that he seems genuinely unsure what your answer would be.
“Yes, of course.”
There’s a small tug on the corner of his lips, that doesn’t quite qualify as a smile, and you are scrambling for something coherent to say, a polite phrase to show him you appreciate the effort but come up short. Then it’s taken so long that the moment is gone and there’s no point anymore. He reaches for the light on his side, turning it off, leaving you both in the darkness together. But apart.
It’s almost been a year since you made your decision to stay. You had never thought then, there would be an outcome where after this long, hide it as you might, forcibly pushing it down to squash it, resentment would still be there; persistently knocking on the door everyday to remind you that no matter how you tried you’re not ready to forgive him.
Maybe, you think to yourself as you drift to sleep, staying was the wrong decision for both of you.
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SUMMER
After Tom’s death, Molly had wanted to reinstate the traditional Saturday BBQ in an attempt to establish some semblance of normalcy. At first, the good old gang used to gather dutifully at 12 noon sharp every weekend without fail. But a year later, the tradition was already on its last legs. Blame it on how someone's absence can somehow feel more present than those who were already gathered. At 6 feet 3, barrelling shoulders and a booming voice, it’s a physical presence that cannot be ignored and his absence even more so, to the point where it’s hard to even mention Tom’s name.
Santi came home for a hot minute before he shot off again, always restless, always looking for the next big thing. Last you heard he was back in Colombia for the second time this year, but when you’d asked Frankie why, his back had twisted into one anxious, gnarly knot telling you, he just didn't want to get involved with it this time.
Will would come every now and then, but you could tell he would find any sorry excuse not to show up, or to try to leave early. His eyes would always drag back to the garage, the space Tom had been confined to after the divorce. It unnerved Will to be here. To be reminded of what was lost.
Benny was about the only regular feature on these afternoons. Always the first to arrive and always the last to leave, from helping Molly set up the grill despite her insistence that the damned thing had wheels and she could roll it out herself — to putting away the last glass in her cupboard after the dishwasher was done with the cycle, because Benny always insisted his momma didn’t raise a chump.
Sometimes when you come over just to visit Molly, Benny is already there to help her fix a flickering light that she wasn’t even aware was broken until he mentioned it. More often than not, he breaks more things than he fixed. But Molly enjoys the company and she never has the heart to shoo him away.
Where life and kids didn’t get in the way, you and Frankie would always try to come, neither of you could stand the thought that she had to maintain this tradition alone.
The Davis residence is a beautiful suburban home. White house, with lots of space for Molly’s two gigantic golden retrievers now that Tess had gone off to college. It was nothing ostentatious, just homely. A big space in the garden that was rarely used. An old disused treehouse that Frankie had helped Tom build for Tess so she could hold her imaginary tea parties up there once upon a very long time ago.
As Frankie pulls up to Molly’s driveway, you spot Benny’s old Chevrolet already parked in the driveway. Molly is sitting on the porch in her old fashioned swing bench, sipping on a cold bottle of beer, drinking in the last of the Saturday afternoon sun.
Despite his car being parked, you can’t see any trace of Benny.
“He’s in the garage,” Molly explains, “The brake discs of my car wore out and he insisted he’d fix it instead of letting me take it to the shop.”
A grimace contorts Frankie’s face. “He doesn’t know the first thing about fixing cars.” Then he turns to you. “I’ll go check and see how bad it is so he doesn’t do any serious damage”
You give him a nod as you watch him go, eyes lingering on the sway of his hips and the strong line of his back as he does.
“Frankie’s looking like a snack and a half today.” Molly offers you a beer with an outreached hand and you sit down on the swing porch next to her. “You, too, by the way,” she adds, gesturing vaguely, “but that’s already a given.”
One beer turns to two, when Frankie comes out to tell the two of you that the idiot has managed to cut the brake fluid tube to the brakes and now he needs to replace the whole thing and also there’s brake fluid that’s leaked everywhere. He comes back out minutes later having gathered an armful of towels from the kitchen to try to fix the mess the dumbass made.
He says try, but your Pavlovian response is to give him the fond praise that you know he’ll succeed. You catch yourself and hold it back on the tip of your tongue without saying it. As he walks away, the guilt of your pettiness, that you can’t even give your husband the small compliment, when you know how much it would mean to him; how he lights up at it, makes you hate yourself and your limited capacity to forgive.
Molly regales you with the latest string of horrors that is dating in your 40s on Tinder; the English professor who brought his wife with him; the 18 year old trying to pass for a sophisticated 25 but then got ID’d when ordering wine to their table; the man who nearly gave her arthritis from how hard she had to jack him off but he still couldn’t get it decently hard. It has you bent over with laughter in the stale summer air.
The boys are fixing the car, and even from where you’re sitting, you can see that Benny is grabbing the wrong tool. Frankie had asked for a socket wrench and Benny is handing him a standard wrench, and you see Frankie duck his head out from under the car, curls glued to his forehead with a streak of oil that glistens in the sun. He can’t help himself but to poke fun of Benny in a brotherly fashion, with fast-spoken Spanish that the younger man wouldn't be able to catch. You start sputtering laughter against the rim of the beer bottle when you hear Benny retort that he knows what Pendejo means, trying to kick out the wheel cart Frankie’s lying on.
In fairness to Benny, both tools contain the word ‘wrench’ in it.
It has you nostalgic over the number of lazy Saturdays you’ve spent just like this, because Molly’s old piece of junk of a car is way past its prime since the day you first met her almost a decade ago. It amazes you that this woman never just gets rid of it, especially when she can afford to do so now.
It’s easy enough to pretend, Benny is the same height as Tom, but leaner, and if you squint hard enough and ignore that Benny is far easier on the eyes, it almost feels the same. And Frankie… it doesn’t take much at all whenever you look at Frankie for too long - the old feelings that he used to inspire, the bright sparks in your stomach that quickly bubble up if you don’t slam a lid on them.
So if you don’t think too hard about it, from a safe distance, you can almost pretend, everything’s fine and the way it used to be.
“How’re things going with you two?” Molly asks.
“It’s fine.” It’s a non-committal answer but you never did know how to answer this beyond, it’s fine.
“12 months clean is a big step. He got his licence back. He’s going to therapy. These are all good things.”
You don’t know why she’s saying this as if she’s trying to convince you of something you don’t already know.
“How’s the sex?” Molly leans over conspiratorially. “Is it still terrible?”
“What are you, our couple therapist now?”
“I might as well be.”
Hunching your shoulders into yourself, you refrain from scowling so that Molly doesn’t start about how you’ll get wrinkles if you keep doing that. You fucking hate this topic. Who wouldn’t? Molly is the only person you know who takes morbidly comical pleasure in telling people her sex life is in shambles. But it’s only fair you share when she shares everything with you.
“I’ve sort of given up on sex. I don’t want to force the issue anymore.”
Molly looks up at you with confusion in her perfectly arched brow. “What do you mean?”
“Every single time, I’m the one asking for sex. He’s never asked me. He doesn’t touch me. I’ve become a leper to him and everytime I initiate it, it somehow ends up even worse than the last time before it and then I feel responsible for how bad it is because it’s like I’m cornering him into it.”
Her hand comes to rest on your shoulder with a sympathetic squeeze. “For what it’s worth, I don’t think he’s forcing himself to have sex with you.”
She gestures her bottle towards the car. “Look at the poor man, he looks so pent up I bet he’d explode like the inside of a piñata if you so much as brushed up against those tight fitted jeans right now.”
Looking up, your eyes are drawn to the end of Molly’s beer bottle where it is accusingly aimed at Frankie standing over the open hood of the car. Brown eyes meet yours, seemingly by coincidence, until you realize that the reason they do is because he’s been looking at you before this. How long you don’t know. But from the way his eyes flicker away, quickly drawing his cap down his overgrown fringe, head hanging down as if his feet had suddenly become a thing of wondrous interest, it must have been more than just a momentary glance.
“See it from his perspective, he knows he screwed up. It’s safer to wait for you to initiate. The man is probably terrified to ask you for much of anything, what if you get angry and kick him to the curb - and then he’ll never see his daughter again.”
You drag your eyes away from the sturdy outline of Frankie’s shoulders, bent over the hood, to look at Molly instead. “I would never take his daughter away from him. He’s a good dad. I’d be hurting Carmentéa more than him.”
“I know that, but he doesn’t.”
Leaning back against the bench, you push out the swing with your feet as a parched breeze tickles your ear. It’s something that you often think of. You wonder if he still loves you, still wants you, why he would even want to stay considering how miserable he seems, and then you remember that he’s probably not staying for you. He’s staying for your daughter. To him, you might as well be a stranger living in the same house as him, only bound together by the dual obligation of your daughter.
“Do you think he’s only staying with me for Carmentéa?”
Molly lets out a long weary sigh, “Frankie is a stubborn, strong willed man. He’s no pushover just because he’s the quiet one. Tom always used to say he was the one person in the team that couldn’t be forced to do much of anything against his will unless lives were at stake. If he didn’t love you, not even the love for his daughter would make him stay with you.”
There’s a brief silence as she observes you, taking a sip of her beer. “What about you? Are you staying only because of Carmentéa?”
Biting your lip, you cross your arms around your torso, because you don’t know how to answer that, and so you don’t.
“Do you still love him?” Molly presses.
You don’t answer that one, even if you know how to, because it’s an answer you don’t want to admit to yourself. Don’t even want to name it, but you know it’s still there, you just don’t know where to put it anymore.
“You know you’re being really unfair right? You want him to love you, but you want to not have to love him back at the same time.”
Bringing the bottle to your lips, the beer tastes sweet and sticky from the summer heat. You know Molly’s right. You are being unfair, not much better than a sullen child, so you simply nod and say, I know.
“A year seems like a long time to me to freeze someone out this way. If you’re that upset, why are you even still together? Either forgive him… or don’t. But neither of you can keep living in limbo like this. If you don’t want to forgive him, rip off the bandaid and just get a divorce, then you can both move on with your lives with other people.”
You put down the empty beer bottle on the deck, together with the rest, the green glass refracting the sun with a blunt glare in your eyes. You have already forgiven him, you think. But it sneaks up on you, the anger. In the beginning it was relentless, wave after wave. Sometimes it’s gentle tides, other times a tsunami of hurt and anger washing over you until it holds you underwater, filling your lungs with spite and helplessness.
Sometimes it will go days and weeks without it ever rearing its ugly head and those long gaps are getting longer and more frequent. It’s just not completely gone, the way you want it to be.
“I just need a bit more time.”
“Time to forgive him or time to decide whether you want to stay in this?” Molly pries.
“We’ve been together for almost half my life. We have a daughter together, and a way too expensive mortgage on a house I want Carmentéa to grow up in. It’s impossible to just walk away from all of that, I don’t even know where to start.”
“Honey, if those are the only reason you’re staying, then I don’t think you should. All those reasons you mentioned, are not real reasons to stay with someone. Don’t stay because you have to, stay because you want to.”
Molly kicks up her feet on the seat, eyes scrutinizing. “Do you want to?”
“I’m still here, aren’t I?” Hearing it, as it comes out, you sound more defensive than you had intended.
She gives you a disappointed look that tells you it’s a cop-out answer, and you know it too.
“Trust me, it’s not impossible. I did it, remember?”
It’s a sentence that sucks out all the air with it. All the fight in you deflates when you see the wry smile and the deprecating shrug of her shoulder. You know the guilt that haunts her, how this woman wonders if there was anything that she could’ve done that would’ve prevented the inevitable. The early nights where she would call you at 2am crying, convinced that if only they had still been married, if she’d still had a say as his wife instead of a nagging ex, that would have made him stay for her. If only she had still been with him, maybe he would have no reason to go at all; no reason to impress her, or chase for money and validity. If only there’d be no reason for him to prove himself to their daughter that he was still a man capable of work and value.
If only is a ghost that lingers in the shape of 6 feet 3 in every corner of their marital house that she was never able to let go of and sell after he was no longer there. She’ll never be able to escape from it. A soldier’s widow even if he didn’t die in active duty.
“Does put things in perspective though, doesn’t it? You think they’re always going to be there. In all their annoying glory. Then they’re not and all of a sudden you think, did it really matter that he never took out the trash and always left the toilet seat up?”
Wrapping your arms around Molly from behind, you rest your chin on her strong, proud shoulder that never sags. There’s a chuckle from her that tells you, you’re being silly for worrying, and she assures you that she’s fine—no really, she really is, but you can feel the unsteady tremble that betrays her in her hand.
Both of you know she’s not fine. Nobody is these days.
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AUTUMN
It rains all of Sunday night. Not a shy light rain, or a pitter patter, but a proper downpour of a monsoon rain, and the sound of it drives him insane.
Everytime it starts pouring rain outside, Frankie can practically feel the weight of clammy clothing clinging to him like a second layer of uncomfortable skin. The jarring coldness that burrows into the marrow, eating into him. It’s unsettling and he swears he can physically feel the steady slither of anxiety underneath his skin that makes him want to dig his fingernails into his arm, rip it out and crawl out of himself.
It’s his household task to take out the dog in the morning, and he can already hear Duchess’ paws scratching; nose sniffing through the gap of the bedroom door with a whine.
Heaving himself out of bed as quietly as he can, so as not to wake you, he makes his way downstairs as he pulls on his boots. Logically, he knows it’s only in his imagination, because his boots are kept dry inside, but he can hear the squelching sound of water against his socks, toes curling in disgust as he stands in front of the door and hesitates.
The rain pools by his feet in front of him on the concrete doorsteps, and the stinging coldness of dripping water in his face makes him grip the leash tight until his nails dig into the flesh of his palm. Duchess doesn’t know any better, just preciously wags her tail with excitement regardless of the rain.
His therapist had taught him mindful meditation exercises to deal with this. $250 an hour for teaching him how to breathe and mentally list out things that made him think of home, and during the entire session instead of taking it in, he calculated in his head how 17,000 divided by 250 afforded him 68 sessions that were quickly eating into your already tight savings when he had to retake his helicopter licence (another one of his mistakes that you end up paying for).
How if he hadn’t given up his fifth of a share of $5,334,120 it would have been 4,267 sessions instead; and if Tom hadn’t been greedy. If Frankie hadn’t backed down on the runway, telling the man there was no way in burning hell they were going to make it across the goddamned Andes, just like he knew they wouldn’t, that he didn’t spend four fucking years in intensive training as a pilot not to be trusted to do basic air freight calculations, then he could’ve bought a lifetime’s worth of therapy sessions for his whole military unit and still have enough money left to pay off the mortgage to your house.
He still doesn’t know how to tell you. That his trigger happy finger set off a chain of events that left your best friend a widow. That he signed off a million dollars to an anonymous trust fund for Molly and Tess. Money he could have kept for you and Carmentéa’s future. Money that Molly didn’t even want to touch because she knows it has blood on it.
When he stood there over an absurdly sized conference table for only five people and a lawyer, instead of the six of them, pen in his hand staring at the legal papers, he knew that for the rest of his life this would always haunt him. In that moment, in his misguided pride he thought that by signing away the money, it would go some way to signing away the guilt as well.
(It didn’t.)
He hates therapy, but he has no other choice than to take it seriously, because he wants to stay here. Wants to get better. Can’t afford to make another mistake now, because you’ve already given him his second, and third chance and he doesn’t want to test if this is going to be his last.
He closes his eyes, taking a deep inhale through his nose, mentally counting to four, and then he holds the breath to a count of seven, before breathing out again.
The colour of your eyes.
The address of your home together.
Carmentéa’s middle names.
He’s safe, he’s fine. He’s here, not there.
September is the rainy season, and so it shouldn’t surprise him when it continues to rain the next day and the day after, and in that entire week he’s barely held together by surface tension; the whole of him threatening to spill over the brim at any second.
He tries to stay away from Carmentéa, because he’d read in a baby book during your pregnancy that young toddlers are sensitive and pick up negative feelings and anxiety from the people near them, and he doesn’t want to poison her with his. Fuck up the only thing he’s created that’s pure and good.
He keeps to himself in the garage, tinkering with one thing or the other: an old VHF receiver from the 60s he found at the flea market you used to go to on Sundays; Ironhead’s old bricked Atari; replacing the clutches on Molly’s car, again.
Frankie likes to fix things; it keeps his churning brain occupied, and he can block out the constant noise that grinds between his ears like the sound of force feeding glass to a sink disposal. When he gets to focus on something that requires careful attention, it thins it to a shrieking whistle. But most of all, sometimes it’s just nice to remind himself that he doesn’t only break things.
That week, you don’t say anything about his absence in the house. There’s a silver lining to you constantly avoiding to look him in the eyes that way. Small mercies. At least it means you won’t see that he’s unravelling at the seams when the two of you are confined under the same roof.
The nights are the worst. Trapped in his own head without even sleep to distract him. All he can hear is the rain. All he can feel is his cold soaked jeans weighing at his feet as he’s huddling up for warmth under the poor excuse of shelter of a tree in the jungle. Benny and Ironhead are sniping at each other like two catty cheerleaders arguing over who’s going to make prom queen. His anxiety is a slow, high-pitched hum that keeps him up. He can’t sleep until he’s so exhausted he just blacks out, and the next thing he knows, he’s awake and Duchess is scratching at the door for it to begin all over again.
On Thursday, he wakes up to the sound of rain but there’s no Duchess scratching at the door. Your side of the bed is cold and empty, and his first panicky instinct is that you finally took Carmentéa and the dog and left. The second thought is, you’re right to leave him.
When he makes his way downstairs, you’re already in the kitchen preparing breakfast.
“It’s going to be raining all of next week,” you tell him. “I can take Duchess for her walks if you want to get Carmentéa dressed in the mornings instead.”
You don’t press, you don’t ask, you don’t force anything out of him. You just know something is wrong, even without asking, and in all the big and small ways you can, you try to make life a little bit easier for him. It’s something no one has done for him before you, and no one will be doing after you either.
You don’t say anything more, and all he can do is quell the burning swelling in his throat as he awkwardly murmurs thank you, when he really wants to tell you, I love you. But he doesn’t, because it’s not fair to put that burden on you.
For the briefest of moments, one that doesn’t last very long (they never do anymore), you look up and you actually smile at him. It’s muted, and maybe it’s a little bit wistful, but it’s there, and it fucking blows his heart out. The fuse in his brain burning to a crisp as he just stands there like an idiot. He wants to reach out (but doesn’t). Wants to say something (but doesn’t), and as always, the moment is gone much too soon and there’s nothing left in it except his regrets for the both of you.
Night comes and the rain is louder than ever. He tries not to grind his teeth. Tries to not vibrate from the tension that’s overtaken his limbs. Tries to quiet the loud thumping beat of his heart, so loud that he worries it might wake you in your sleep. He’s sweaty and disgusting, even as he’s lying still underneath the covers.
“Frankie?” Despite the hushed quietness of your voice, it still startles him. “Are you ok...?”
He feels the gentle comforting glide of your fingertips following the nostalgic trail of the freckles on his back, which you can’t possibly see through the t-shirt he’s wearing to sleep. It occurs to him that you must’ve memorised it from the sheer habit, from all the nights you’ve lulled him back to sleep like this over the years. Nights when he’d wake from nightmares and stare into the ceiling, catching his breath, until you’d turn around, half-asleep and drowsily pull him into the safe harbour that was being nestled and entangled between your thighs and arms.
You scoot a little bit closer to him in the bed now. “Do you need me to hold you; would that help?” you ask, and it makes him choke with a watery breath that he tries to swallow down deep into his chest.
He turns towards you in the darkness, and the weight of the bed shifts as you shuffle closer to him, your head resting on his pillow, your breath tickling against his face, a momentary ceasefire as the walls are lowered and he can feel the warm tip of your nose against his. It doesn’t matter that it’s pitch dark because this close he can make out the beautiful contours of your face that he just wants to reach out to touch and map out underneath his fingertips, (but he doesn’t).
Instead he just lies there, still. Keeps his hands to his sides to resist the temptation to touch because he knows if he starts he’ll never stop. If he starts, he’ll lock his arms around your back, a hand on your shoulder to press his face deep into the crook of your neck until every inch of your skin is pressed so tight against his that all of him covers all of you, and that still wouldn’t be enough. If he starts, he’ll start hoping again. Foolish hopes like, forgive me, and, love me, that he knows he doesn’t deserve anymore, because the things you’ve given him are already stretching your capacity to love and forgive to its limits.
He knows this doesn’t mean you forgive him, that this is merely an act of compassion because you’re unable to stand how pathetic and pitiful he is. A grown man rendered nonfunctional by a little bit of rain. In the morning you’ll go back to not being able to look him in the eyes for longer than a few seconds at a time. But for now this is enough for him, more than he could ever wish for.
So he lies there, still for you, when you slide a leg between his and your limbs are entangled with his and he lets himself feel it, your warm comforting touch, the familiar sweet ache in his stomach as your fingers carefully comb through his hair and smooth it down. How the whole chaotic painful world that Frankie has learnt to live with fades away when he feels your fingertips against the crown of his head like this. The high pitch in his brain that is always churning, finally turning off, silent, and his eyes flutter close into the calming blank space of darkness.
In your arms, he finds a little bit of respite, and Frankie sleeps, better than he has slept for a year. Better than he has any right to.
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WINTER
The sound of children’s feet is often described as pitter patter, which you associated with quick light steps, but you had always thought barrelling was a much more apt description for Carmentéa. It was certainly true now as she was stampeding along, next to you by your feet, stopping only to fall over the carpet and pick herself and do it all over again, as you were folding away the laundry.
There’s a light polite knock on the open door frame as you look up and Frankie’s head pokes in through the bedroom door. “Do you know where my dress shoes are?”
You turn towards him, taken aback by his appearance. Tidy. Hair neatly combed back. A formal button up shirt that you can’t ever recall seeing on him clinging to his wide shoulders. Fitted trousers that hug closely to his hips and broad thighs. You feel like you’re staring at a stranger in front of you. That old age cliche of a tall dark handsome stranger. It takes you a handful of seconds to register that it's actually Frankie.
“They’re in the corner closet. What do you need them for?”
“I’m gonna wear them for the job interview, then afterwards, I could swing by and take you to dinner?”
“Dress shoes are a bit formal for Colleen’s, aren’t they?”
Shoving his hands into his pockets, he looks almost sheepish. “I thought we could go somewhere a bit nicer? If you want to.”
You say yes, of course, even though you prefer the more humdrum option. Because Colleen’s is where you always end up going when you want to treat yourselves and you like clinging onto old reminders of better times. An old diner 20 minutes down the road that serves breakfast at all hours, where even though the coffee is shit, and so is more than half of the menu, they have the best biscuits and gravy for miles, served piping hot from the oven. The aging owner Colleen is always snarky to you, but sweet on Frankie, and he’ll always switch your plates when the food arrives at the table, because his portion will always have extra gravy that you like. You’ll look up from your plate, between an inhale of shoving food down your throat and Frankie will just be gazing at you fondly without looking away, and it would warm you inside out regardless of the season.
You look down at yourself now, high waisted jeans that definitely qualify as mom-jeans, a faded tee-shirt and your eyes are drawn to the large blot food stain that was permanently etched from where Carmentéa always burrows her head into your chest to sleep, and suddenly you truly feel the meaning of the word homely shaming you.
“Do I need to change?”
He takes in your appearance before meeting your eyes, holding them for the first time in a long while without looking away.
“No, you look great,” he simply says and means it.
The way he looks at you pins your feet to the carpet, a gaze of someone who has seen the best and worst of you, and knows everything that you are. It drills into your chest and leaves you naked and bare to him in a way that you’re still not ready for, and you turn away completely until your back is to him.
You don’t even look up from the laundry basket until you hear him walk away.
“Don’t close the closet door, remember it only opens from inside,” you shout after him. There’s no answer, and from the sound of creaking stairs, you figure he’s already gone downstairs. Carmentéa is still practising sprints, and you see her do a tumble that almost transforms into a somersault. But before you drop everything in your arms to run to her, she’s already up on her feet again for the next round.
You should be grateful and appreciative that he’s trying. He’s interviewing for a position that would ground him from being in the air, but bring a comfortable income to your family so you could stop doing double shifts. He’s put on clothes that make him feel uncomfortable and ridiculous. He takes care of booking dating activities and new restaurants you haven’t been to every weekend because it’s what the therapist recommended for the two of you. It all helps.
But at the risk of sounding ungrateful. For all that Herculean effort, you’re constantly fighting the urge to tell him that this isn’t really what you wanted. You want him to be happy, and flying makes him happy. You want him to be happy, and you know that wearing a stiff shirt and a strangled tie that feels like a noose against his Adam’s apple ain’t it. Nor are the weekly assigned date nights that feel like pretending to play house together.
And it’s not that he doesn’t look handsome in a fitted shirt. My god, he does. But when you close your eyes at night, you don’t think of Frankie in a suit and neatly combed back hair. You think of his hair tousled, pressed against the pillow with a drowsy smile on his lips. Your fingertips reaching under his loose fitted t-shirt worn soft with age, trailing the sparse hair you find there against the soft curve of his belly.
Stuffing a handful of underwear into the drawer carelessly, you unravel the whole careful system you have, and your eyes catch at the old envelope hidden in the very bottom of the divider that you usually ignore.
Your fingers trace the edges of faded yellow paper, marked with the military post office stamps, pulling out the letter, immediately recognizing Frankie’s distinctive handwriting. It’s so neat and legible that, had it not been for the smeared ink smudges, you could have easily mistaken it for a printed font.
“Mi Alma.
I couldn’t catch a wink of sleep last night. I may come back home sooner than planned with dishonorable discharge for strangling a fellow soldier in his bunkbed. Miller snores like a freight train with engine failure.
It’s hell to be trapped inside your own head at night without the distraction of sleep. All I can see is you laying in bed underneath me. You on top of me. I want you wrapped around me, and my right hand is not a very convincing substitute on these lonely nights.
Even on the nights I manage to sleep to the soundtrack of Miller’s rhinoceros snores, I wake up hard and aching for you.
I think of our last night at the lakeside by the old quarry. You keeping me company in our sleeping tent. How good you were at keeping quiet for me. I think of how next time when I come home, I want to hear every single sound you make until you’re hoarse.
I miss you.
Tuyo siempre, Frankie”
You stare at the letter as heat starts to prickle your cheeks at the memory. Frankie and you struggling for space in his cramped tent, with hushed moans and quiet grunts echoing in between the rustles of sleeping bags. One large hand clamped tight over your mouth as he pressed his cock into you, a slow aching fit. His hair still wet from the earlier midnight swim, slicked and curling on his forehead, his face pressed into the side of your neck as he kept whispering into your skin about how fucking good you were being for him.
An urgent rush of need that refuses to be ignored grows inside you, and it makes you shove the letter back into the drawer with a quick slam, locking it away from yourself as you take several steps back. You close your eyes to block out the image, but it’s no use.
You can still feel the cold water droplets gathering by your collarbone, and broad stripe of his warm tongue before his teeth marked your flesh with a bite. You had sobbed into his palm, trying not to scream from how thickly he filled you, struggling not to wake the others in the nearby tents.
You can’t stop thinking about the way his hips desperately ground into you, skin searingly hot against yours, and how in that moment you were sure that the only thing in this world worth anything to you was the sweet fulfilling stretch of Frankie’s cock as he rocked up into you.
And you can’t stop the way your heart knocks fast and loud against your chest, as that old intimate beat of attraction in your veins sings out to you that you still want him.
Dragging your hands across your face, you feel the incriminating heat underneath. You’re trying to rub and scrub it clean with a splash of cold water over the bathroom sink when you realize that there’s no sound of stomping footsteps next to you. Hasn’t been for a while now.
“Carmentéa?”
Worry then guilt eats into you, as you realize you lost her. The worst part is you don’t even know when she left your side. Was it before or after you got horny reading your own husband’s letter? You’re such a ridiculous person. And now you’re a terrible mom to boot. Why are you like this?
You keep calling for her, as you round the hallway, until you hear the muffled sound of Carmentéa’s bright laughter coming from the corner closet where the door has been shut.
She’s locked herself inside.
That stupid door should have been fixed as soon as Carmentéa was born, but in your defence a lot of things happened in that first year that it got lost amongst other pressing priorities. And you hadn’t expected Carmentéa to be quite so steady on her feet, quite so fast from the time she started walking.
“Carmentéa! Open the door for me.”
There’s tittering excitement from the other side of the door that any other time you’d find adorable, but right now only causes agitation as she defiantly announces, no.
“This isn’t a game sweetheart, open the door now.”
Frantically, you start knocking louder at the door and jiggle the handle more forcefully, trying to jimmy it open as all the worst case scenarios come rushing in. That shelf on the top that is resting on two screws, stacked with heavy books that could fall on her. The toxic cleaning supplies you’d stored away in the corner on the floor that she could get into. Even if you break the door down, you’d hurt her if she’s standing in front of it.
“What’s wrong?”
You jump in your skin and turn at the sound of Frankie behind you.
“She locked herself inside the closet.”
You’re so worked up you don’t even react to his hand coming to rest on the small of your back, shepherding you to stand behind him.
“It’s ok,” he assures you, “I’ve got it.”
Faced with a dilemma, Frankie’s first instinct is never to react with panic, even as anxiety and worry rages inside of him. It is like his brain kicks into gear, and time slows down for him, and he knows exactly what to do, exactly what needs to be done and executes it flawlessly before anyone else in the room even has the time to react. It is why he’s the one you want with you in the room when everything goes wrong.
Instead of panicking, instead of scolding her, Frankie simply hunches over to sit in front of the door, giving the door a light rap.
“Carmentéa, can I come in?”
It takes several long moments, before the door slants open, your daughter's mischievous grin peeking out as Frankie tenderly greets, hola princesa.
With his split second reflexes, you know it would have taken very little effort for him to simply grip the door through the slanted opening, forcing it open, but he doesn’t and you’re mid-step to grabbing the door yourself, only for it to slam back shut to the chorus of giggles.
“Frankie,” you start, but he holds up his hand, stopping you mid-sentence. Unbothered, he merely knocks a second time, patiently waiting for her to open it again.
Brown eyes and cotton-soft curls, the same as her father’s, spied through the crack, as he greets “hello” again, and then even quicker than last time it closed in his face.
Unable to wait anymore, you rush forward to tap on the door yourself, and Frankie curls his fingers around your wrist, searing hot, without him knowing it.
“You have to let her come out of the closet on her own, otherwise she’ll associate it as something bad. This is her home, she’s supposed to feel safe everywhere.”
All your worries melt away at that, knowing that he had in a brief moment assessed every angle and evaluated that this was the course of action and you trusted him implicitly and always, even with the most valuable thing you had in your life locked away from you on the other side of the door. Nodding at him, you take a step to the side next to him, and he leans forward, knuckles rapping against the door again.
You lose count of how many times the two of them do this: knock — hello — slam. Knock — hello — slam. Enough that it should have driven any adult man insane, until finally, finally, Carmentéa is done having her fun, opens the door wide, and instead of closing it, climbs into her father’s lap, laying her mop of curls against his chest, tuckered out.
It makes for such a nostalgic picture and you remember that more than a year ago this was all that you had wanted. The wish to reenactment moments like these a million times over and how that was the very reason you had decided to stay in the first place.
He turns to you and sees you staring. Instead of looking away, his eyes meet yours, a soft if not slightly tired smile on his lips as the sole dimple on his right cheek deepens. The same stirring of that old memorable warmth for him crowds your chest, until it threatens to spill somewhere, anywhere. It’s there, overwhelming you with its suddenness, and you don’t know where to put it as you hear the loud pounding beat in your ears that you’re trying to ignore.
You’re not ready yet.
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SPRING
It’s one of those days, where everyday life is relentless and everything just happens at once. It’s Laundry, credit card bills, groceries, mopping up Duchess’ vomit after she’d gotten into the trash can. It’s scrambling to get Carmentéa dressed again after she’d kicked off all her clothes and ran buck naked across the hallway as Frankie tried to chase after her. It’s being half an hour late dropping her off with your mother so you could get to your assigned date night that the couple therapist had recommended. It’s forcing yourself to put on makeup and a dress even though both of you are much too exhausted to go anywhere and you just want to hide under the covers hoping tomorrow will be better.
It’s pitch black on the country road, and the evening breeze escapes through the open window on your side and makes your head lull to the shoulder of the carseat.
“Maybe we should go home,” Frankie says. “Let you get some sleep instead.”
Eyes slowly blinking open, you’re drawn to the bullseye tattoo between his thumb and index finger on the steering wheel. You want to trace it with your fingertips the way you used to until he’d look up and cover his hand over yours.
You drag your eyes away instead, looking at the shadowy outlines of trees whizzing past. “We should go. It’s what the therapist ordered.”
Frankie lets out a small huff of laughter, the sound of it deep and rumbly. So pleasant it was made to be nuzzled at. “It’s not homework, we’re allowed to not go if we don’t want to. We’re adults now.”
Still fuzzy with sleep, you dig your cheeks deeper into the shoulder pad of your seat with a drowsy yawn. “Frankie, if we stop doing things simply because we didn’t want to, life would look very different.”
There’s a beat of a silence that you don’t miss when he turns to look at you, the tension set in his jaw, the way the softness in his eyes hardens until it is set to stone that sobers you from sleep.
“What?” you ask him.
“Nothing.” He pulls his eyes back on the road, but the tension is still clearly there. “Forget it.”
You’ve stepped on a live wire you realize. You’re in the no man’s land that neither of you had dared to walk into and you, and your big clown shoes stepped right on top of a landmine because you couldn’t be bothered to look down properly. “I didn’t mean us—”
“I know.”
Silence fills the car again. Silence has a way of filling any and all spaces where the two of you are together by yourselves.
“Do you want me to drive us home?”
Irritation brews in you. A viscous oil back spill of resentfulness. He always does this. Puts the decision in your hands. And when it goes wrong. When things go bad. Then it’s on you and you can’t bear the thought of making decision after decision that at every turn seems to make the both of you so unhappy.
“What do you want to do, Frankie?”
“I’m fine with either. Just let me know if you’re not up for it, and I can drive us home.”
“Don’t do that,” you snap, back upright in your seat. “Don’t put this on me. I’m asking you. What do you want? Do you want to go to dinner or do you want to go home?”
He says your name with a heavy sigh like it is something to be carried, a blunt weight on his shoulders as he tries to march forwards, and meanwhile you are standing in the deep end of a pool of resentment unable to feel the bottom with your toes and too tired to keep kicking your legs to keep yourself afloat.
“I’m not trying to put it on you,” he says. “You’re tired, and I thought you could need some rest. If you’re telling me you’re not tired, I’m more than happy to go.”
Happy isn’t the word you’d use to describe either of you these days, and certainly not Frankie, and as you close your eyes to calm yourself you can hear it again, that loud insistent beating knock.
“Please stop putting every decision on me. Because I don’t know what to do when I make the wrong one and it leaves us both miserable and unhappy.”
“I’m not unhappy.”
“You’re not unhappy?” A shaky scoff crawls out of your throat at the falsity. “Is this the life of happiness you aspired to? A life where your daughter grows up with two parents who can barely stand to look at each other when they’re in the same room?”
For the first time, Frankie’s concentration on the road breaks as he swerves unsteadily around a particular sharp corner. “No, of course I don’t want that for Carmentéa. I don’t want that for us, I don’t want either of us to be unhappy, and I don’t want you to barely be able to look at me for more than five seconds at a time!”
“So what do you want then?”
His eyes turn to you, a bullet piercing gaze that shows you there are so many things he wants. You just don’t know what those things are anymore.
You? Or a life without you.
His tongue swipes over his lip in frustration, before he turns his attention back on the road. He’s turned quiet on you again. Shoulders all twisted up until they’re bunched into one big tangled knot that you don’t know how to untangle anymore.
Sometimes you wonder if there’s been any progress at all. On some days it’s several steps forward, other days, two steps back. Sometimes you think you can see the finish line, and then you're dragged backwards, kicking and screaming against the asphalt with scraped knees, right back to the starting point and it is exhausting. Sometimes you don’t want to pick yourself up, you just want to stop.
“Frankie,” you’re surprised by your own voice breaking; how your throat can be dry when it feels flooded with water as you finally, finally, after all this time, just ask him the question you should have asked him a year and a half ago. “Do you ever think we would’ve been better off if we divorced?”
The leather audibly creaks underneath his hands on the steering wheel. Eyes straight ahead. You can’t see him in the darkness even as you’re looking at him.
“Is that what you want?” he asks.
Your mouth works, trying to answer him, but you never get the chance to.
There’s a flash of white blinding lights ahead, and when you snap your head to the road ahead, you see a large oncoming truck on the wrong side of the road, and you know that it is coming for you.
One leg instinctively kicks out, feeling for the brakes that are not even there. Eyes slamming shut as you brace yourself for the inevitable impact of a 14,000 pound truck.
You wait for it, the crush of metal cutting through, of smashed glass and seared skin. The collision of a truck with your side that will grind your bones and flesh to a pulp.
But it never comes. The car is immobile; and you think to yourself, I must already be dead.
Then all you hear is Frankie’s steady, comforting voice in the empty darkness, “Are you okay?”
Everything is a gaussian blur when you blink your eyes open. Too bright. Too loud; lungs burning for air, unable to breathe. In the distorted fog, you only recognize Frankie.
He reaches over, his hand bridging the span of your jaw, and you lean into his touch, revelling at the comfort of the assuring warmth you find there.
“You’re not hurt. Take a slow breath with me ok?”
Frankie’s hand squeezes tight over yours, urging you to take a long inhale, and when he releases his firm grip, he tells you to slowly breathe out, and you do.
“What color are my eyes?”
You blink, not understanding, “Wha—?
“What color are my eyes, baby?”
The gentle endearment in that soothing husk centers you, your eyes snapping to his, focusing on the deep brownness you find there. You don’t remember how long it’s been since the last time he called you that.
“Brown.”
There’s a warm smile there that fills you with such assurance that when you take your next breath, the oxygen fills a little bit easier.
“What’s our address?”
“14 Columbia Avenue.”
The brightness dims, and everything turns a little bit calmer and quieter, and slowly, ever so slowly, as you come to, you realize it's because at some point Frankie must have turned off the radio and the overhead lights in the car, all without you even noticing.
“Are we—” Taking in your surroundings, there does not seem to be any damage to the car. The roof hasn’t caved in and the front windscreen remains uncracked. “Did we crash?”
“No. It’s fine,” Frankie tells you in calm, short sentences. “A truck swerved too close onto our side.” His hand squeezes yours, then releases. Breathe in. Breathe out.
“I drove us down the side of the road to avoid contact. We’re fine. Only clipped the side-view mirror.”
He lets go for a brief moment to take off his old worn jacket, and wraps it around your shoulders, before returning his hands to you, one in your hand, the other gently cupping your cheek with an immeasurable calm that sinks into you.
Instinctively you pull it up until the collar brushes against the tip of your nose. It smells rich, earthy and slightly sweet, the way old fine leather does, and like something all too familiar that is distinctly Frankie. Traces of his aftershave that always linger, and a faint scent you never know if it’s supposed to be pine or some hipster forest blend. Warmth zips through your chest at the comforting scent that makes it a little easier to breathe just on the side of enough to pull you back from completely spiralling.
“You feel better?”
His hands are so large that the tip of his fingers are cupping the back of your neck, bridging across your jaw to where his thumb brushes against the apple of your cheeks, tantalizing strokes that you feel to your shivering bones with a racing heart.
“Let me know when you’re ready to start driving home, ok? Take all the time you need.”
There’s the tender press of his lips to your forehead that lingers pleasantly, then his forehead comes to rest on yours, the weight of it reassuring you that you are going to be ok so long as he’s here. It makes every inch of you feel safe and protected. Trust that comes with time, earned over years by constantly having proven that he is a safe place for you to rest your worries. A safe place you don’t want to lose.
Gripping your fingers into the worn cotton of his shirt, you tug him down closer, your lips grazing against that fine scratch of silver flecks mixed with brown scruff on his jaw, and you swear you hear his breath catch just as you press your lips to his.
But he doesn’t kiss you back. Unresponsive. Lips hauntingly still against you as you can feel him stiffen up in rejection to your advances. It’s the longest second in your life, and it seems to stretch for an eternity as a horrible realisation dawns on you.
Frankie doesn’t want you, and it’s much too late for this reconciliation that you were pathetically clasping for. Because you do not get to push away someone who loves you, every day for over a year, and expect his love to remain unwavering at the end of that tunnel.
A fissure infects your chest. Sharp and painful, the sensation of wading your ribcage through a throng of nettles. Your throat clamps up, the corners of your eyelids stinging as you tell yourself, for fuck’s sake don’t cry.
Then there’s a clasp of metal that belatedly you recognize is the seat belt unbuckling. Frankie surges forward, lips crashing against yours, a brutal charge that takes you unawares, and you taste the desperation, the pent up anxiety warring inside him as his tongue slips into your mouth with a low pained grunt.
And despite the rushedness, the clumsy force of it, your nerves sing with the relief that floods your veins at the familiar taste of him.
Pushing you back as he moves forward in the eagerness of it all. The force of it knocks your head against the ledge of the window, and you hear it more than you feel the collision, not even registering the blunt pain until you hear Frankie’s panic.
“Fuck! Sorry.” His hand immediately comes to cradle the back of your head to shield it from further damage and bruises.
“It’s ok,” you assure him, and it’s so much more than ok, when he’s this close to you. “Don’t stop.” You press forward until your lips meet again.
This time it’s slower. Slow, and indulgent that is somehow no less urgent and demanding as he’s coaxing your mouth open to him with his tongue, licking into you with a greedy moan that reverberates through your whole being.
It’s a bit awkward, the gearstick uncomfortably jabbing into the side of your hip. But even in the cramped space of your car, somehow you manage to mold Frankie’s long torso along the jagged edges of you, and you feel like you’re finally fitting the pieces together.
“Querida, you’re so soft. Feel so good. Jesus christ, I missed touching you.”
It’s so stupid, it almost makes you want to cry. Now, when you hear the hushed pleas of him against the shell of your ear, it is so obvious just how unwavering he is in his affection. How patiently he’s waited for you to be ready for him again. You just refused to hear and see it.
His lips pull away from you, mouthing at your ear. “Are you sure this is what you want..?” Frankie asks, the lingering trace of doubt that you might change your mind still there; worried you’d bite his hand if he so much as reached for you.
Taking his hand in yours, you guide it down between your legs, beneath your dress, skirting the edge of your underwear until he feels the damp spot outside of them. “Do you feel that,” you ask him, “just how much I want you?”
His pupils widen, a low feral moan and you think you can see the moment that his mind snaps into a different setting, the way that soft brown gaze darkens impossible deey.
“Get in the backseat.” It’s not an ask, not a plea, the impossible low edge borders on a command. Gone is the hesitation, the cautiousness in him that he always practised around you nowadays. The treading around eggshells, replaced by a raw instinct of want.
He retreats from you, and gets out of the car from his side of the seat as you quickly climb into the back with clumsy anticipation. The passenger-side door flings open and he’s on you again. Mouth hot and urgent against the curve of your shoulder. The blunt sharp sting of his teeth bares down and you feel a rush of slick coating your inner thighs at the thought of him leaving marks, visible long after this moment.
“I want you any way you’ll let me have you.” He leans down, capturing your mouth in another consuming kiss as his one hand cups your jaw, the other dragging you closer to him by the waist. The hard outline confined beneath rough denim, grinding up against your thigh. Ache and need furls hot in your stomach.
You feel the fingertip ghosting over your clothed clit, separated only by a thin layer of cotton. He strokes over it, again and again and has you twitching in need of him at the confident and practised touch. Your leg anchors around his hips for leverage to arch yourself closer to him when he pins you back down against the seat, and you’ve never been more grateful that you’d left the baby seat at your mom’s.
The calloused warmth of his palm catches against your thigh as he bunches the skirt to the side of your hips. Then his hand rests flat against the soft curve of your stomach, gently pressing down. The weight of his palm, heavy, in the maddening downward slide, down—down, until his hand skim past the edges of your underwear between your legs, letting you buck up and grind against the heel of his hand for relief as you are coating him in your slickness.
“Do you know how much I’ve missed being inside you? That I touch myself when you’ve gone to sleep, thinking about you? You’re so close to me, and I can’t touch you, it drives me insane. It’s all I want, to make you feel so fucking good. To make you come hard, until you can’t think or speak anymore, then do it over and over again.”
Your eyes are still on him, at the first nostalgic touch of his fingertips at your entrance, gathering your slick with a steady stroke to your clit in a lingering swirl. Calloused fingers that draw a teasing slide along your pussylips before slipping inside of you.
A pitched cry escapes from you, and your fingers bunch into his shirt at the thick fullness in you. “Me—Me too,” you manage, “I touched myself thinking about you as well.”
“Fuck” he grits out. “Tell me what you thought about.” His voice rasps against your skin like sandpaper, low and warm.
It’s hard to speak when his fingers are coaxing you in an obliging rhythm that is so much better than the countless nights of you trying to imitate his fingers with your own, and you barely manage to gasp out the next words. “You— Your hands.”
His fingers press deeper inside you, and you let out an embarrassingly sharp gasp, grabbing at his wrist, trying to make him ease up so you can form a proper sentence, but they won’t budge, and then he has the audacity to ask you, “How did you think of them when you touch yourself?”
“Wa—wasn’t enough. Shit— Frankie. Nee—needed you to help.”
“Help like this, baby?” He curls his fingers inside of you, and everything inside you feels bigger and deeper. Bright tingles that spark through the whole of your spine. You’re so tightly coiled into yourself, you're scared you might burst open. It’s so good and it’s too much and fuck, just about the only thing you can do is close your eyes just to stay grounded.
“Don’t.” He bites out. You’re confused by that until Frankie curves his hand around your jaw and tilts your face closer. “Querida” he begs, and while his voice is husky and low, there’s that pitch of anxiety entering it. “Please, baby. Please don’t close your eyes. I need you to look at me.”
Opening your eyes, you see the fear in him that you’re trying to shut him out again, and it breaks your heart when you realize how far you’ve broken this man in the past year and a half that so little can crumble him so fast.
Cupping his face in your hand, you draw him to your lips, “I’m looking at you, baby,” pressing a tender kiss there, shuddering into his mouth.
Maybe it’s because it’s been so long, maybe it’s because it’s Frankie in the flesh instead of hushed fantasies in the darkness when you’re alone, but you are so worked up that you’re already close. A needy flare of heat blazes in your stomach, and all you can concentrate on is how close he finally is to you. The closeness of his body pressed up against you; his rasping voice; the warm scent that makes you think of home.
The heel of his hand grinds down, and that warm perfect pressure is exactly what you need. Your orgasm pours over your body in waves and waves, legs drawing up in uncontrollable spasms, trying to ride out the sensation.
“That’s my girl,” he praises as he draws you into his arms and you feel blissed out when you hear him use his old phrase that makes everything seem alright in the world in this contained second of closed off space.
When your breath steadies, Frankie moves off of you, and gently lifts your back against the backrest until you’re sitting upright. His lips kiss a path down your throat, collarbone and stomach, before he settles between your legs, his knees digging into the carpet of the floor, in a position you both know is going to be pure murder on his poor back.
“I want to make you come on my tongue first.” Placing a kiss on the inside of your thigh, his patchy beard that never fully grows in, scrapes against the oversensitive skin, and you’re pushing at his shoulder with the heel of your hand to remind him that you're still sensitive. He doesn’t seem to pay it any attention as his hand curls around your thigh, hiking them over his shoulders. Then his mouth is pressed hot and wet on your folds, and his tongue swipes over your entrance, a light teasing touch that has you thrusting your hips up to him.
The bump of his nose nudging your clit as he licks into you has you shakily moaning, and he gathers your arousal on his diligent tongue. You can’t help but grind up against his face, until Frankie will have none of it and holds you back down against the carseat by your hips, setting a slow but fervid pace at his control as his tongue works into you.
“Oh, fuck…” you're trembling so hard your voice vibrates.
Dragging you closer to his mouth by your thighs, he spits onto your pussy, the sound piercing in its sharpness in the enclosed space. Frankie watches, mesmerised, as his saliva drips a glistening path down to your entrance, and groans quietly, tongue swiping at the lewd wetness of it before it touches the car seat. The eagerness of his mouth on you, the way he’s grinding into the car seat for relief, it completely unravels you until it has you pushing yourself into his mouth, trying to chase the sensation of his nose nuzzling into your clit.
It’s absolute bliss, the way he has your back pressed with nowhere to go except closer to him, the way your entire world narrows down to a pinpoint of the sound of your sobbing breaths, and the dependable firmness of his sturdy back when your heels dig into his broad shoulders, while Frankie soothes you with kisses and the softness of his tongue.
“Fuck, Frankie,” you whine. “fuckdon’tstoppleaserightthere”.
It’s all too much, and you're being pulled under by it, drowning in sensations. You need to pull up above the surface to breathe again, or you think you're going to die in the best possible way. You’re grabbing at Frankie's hand like he’s your life preserver, his longer fingers woven between yours, squeezing them against your hip bone, reassuring you, he’s right here.
When you come again, warmth floods your veins, touching every part of your body, thrumming through every nerve and cell as it washes over you. Everything else around you dissipates into a low soothing hum of the man who loves you, who’s on his knees on the floor, showing you just how much. The only thing that matters anymore is how everything in you tingles pleasantly. It lingers long after it’s over, and you can still feel it in the tip of your fingers and in the curl of your toes as you come down on Frankie’s tongue.
“Good?” Frankie asks, which is such a redundant question. It’s not like he doesn’t have eyes to see the state he’s left you in.
Too blissed out to put up a fight, you nod. “So fucking good,” and Frankie lights up with a smile so sincere, it fills your chest with something so warm, you forget any sense of self-preservation. Instead you yank him up by his hair, like it’s a collar, to kiss you, and Frankie is so dutiful he leans up and kisses you back.
It is enough to make you giddy when he still tastes of you, and a flutter of bright laughter rushes past your lips. His cheeks are flushed rosy, upper and bottom lips glistening with you, as he asks you with breathless enthusiasm, “Do you want to keep going?”
You barely finish nodding before he eagerly kicks off his jeans, trying to keep the awkward fumbling to a minimum in the cramped space with the front seat pushing uncomfortably against his back, and then his hot skin is pressing up against yours. The bare contact is so gratifying, you nuzzle your face into his warm neck to savor it.
Frankie groans as he frees his cock from his underwear, rearranging the both of you with an ease of strength that always surprises you. Him sitting up against the backseat, fitting you over him as you straddle the sides of his slim hips. “I want you to ride me,” he pleads with a husky murmur. “Querida, want you to use me until you make yourself come on my cock. I want you to take what you need from me, ok baby?”
Trying to rise to your knees, the exertion has you faltering, feeling the way your legs wobble from underneath your weight, still numb from the overload of sensation.
“Fuck Frankie, I— I can’t.”
There’s an ugly grimace filled with worry that bleeds onto his entire face, and you realize he’s terrified that you changed your mind again.
“I came so hard I can’t feel my legs.”
He blinks. Eyes blank until comprehension overtakes him. A soft smile blooms on his face, and it takes years off of him, endearing to a fault, and even in the total darkness of the car, it seems to light up everything. You are so hopelessly gone for this man.
“Let me help you, baby.” His hands come to rest on your bum, fingers splayed wide, his palm carrying your weight as he lines himself up below you. Then he cants his hips up towards you, and you can feel the rigid shape of his cock, already slippery and wet from the precum that glistens there, rubbing up against your folds, soaking himself in your wetness without entering you. You can trace every ridge and vein with his lazy indulgent thrusts. Thrusts that you grind down on in kind, with what little strength you have left in you, thighs trembling from exhaustion.
The wet slickness as it drags across your sex is so depraved that if Frankie doesn’t stop you're going to fuck yourself to a third orgasm against his cock before he’s even inside of you. “Does that help?” he asks with the slightest hint of a tease in that boyish grin of his.
He thinks he’s being real cute. “Don’t be a fucking tease,” you chastise with a tug of his hair, just on the side of sharp, and there’s a breathless huff of laughter as he whispers soft endearments and apologies in your ear.
His hand reaches between you, notching his cock at your entrance. You can’t think anymore when you feel the wide tip slowly push inside you with a blissful stretch that throbs hot and white inside. Sliding further still until your thighs and the full weight of you are resting completely on him, and there’s a sharp inhale from you both at just how deeply inside you he is embedded right now.
He mouths kisses along your jawline, soft and exploratory until he finds your mouth again, kissing you again and again, as his hands grab hold of the underside of your thighs, drawing you up; baring you down on him and grinding you further down on him, before releasing you and doing it all over again.
“How does that feel?” A small soft grunt escapes his throat. “Good?” He pulls out of you almost entirely, only the solid tip of him resting inside you. The slow thick drag makes you aware of each ample inch, makes you forget how to breathe, and from the choked breath of him, you think it’s the same for him.
Praise spills from your mouth, about just how good he feels, how good he’s being, how he is everything, because you know it’s Frankie’s favourite thing in the world, and you want to make him feel good too. You know you succeed when you feel how his grip tightens on you; the way he inhales sharply like he’s lost his ability to speak coherently.
“Jesus Christ, you’re fucking killing me,” he murmurs, brushing his lip over your shoulder with remarkable restraint.
His hips come to a slowing halt, Frankie pants heavily, his forehead resting against your collarbone and a pinched crease appears between his brows with pained concentration.
“Frankie, you ok?”
“Yeah, just give me a second.” He hugs you closer to him with a shaking breath. It’s difficult not to take that as a compliment, to have a man you’ve been with for over a decade so affected by you as if it’s his very first time with you. You’re smiling so widely your cheeks almost hurt as you cup his cheeks, slanting your mouth over his, treasuring the slow pull of his lips against yours while he’s inside of you. Then Frankie opens his eyes and just looks at you, brown eyes filled with unguarded warmth.
There you are, you almost want to tell him, welcome home.
Leaning forward, you roll your hips into him, hands braced over the lean muscles of his thighs, appreciatively. A long, filling stroke inside you, before dropping back down to the beautiful sound of Frankie’s strangled moans as you build up the devastating rhythm of his hips meeting yours at every downstroke.
“Querida, you close?” It’s a rasped ask, and his lips fall to your breast, to the spot right above where your heart is thumping hard and fast. “Think you can come for me again?”
Every muscle burns achingly sweet, and you don’t even know if you can anymore, but you want to pamper him, make that glint in his eyes stay for as long as you can. You nod, and it’s all the confirmation Frankie needs to plant his feet firm on the carpet for leverage and thrust up against you, making you cling onto his shoulders from the force of him. A strength, he so rarely uses, that comes so easy to him, that he tries to constantly rein in except for these rare moments only you are privy to.
The damp curls from his lower stomach, leading to where you are joined glistens with your arousal as you rock your hips over him again and again. It’s becoming impossible to have a single coherent thought anymore. There’s only the sensation of Frankie completely filling you, the hard thickness of him, and how much you’ve missed this as it takes away the aching emptiness inside you. How comforting it is to let yourself be so vulnerable that you allow another person to consume you in this way, to let yourself take and be taken, all in the conciliatory thrusts of his hips and yours.
It’s possibly the most beautiful thing you’ve seen when Frankie throws his head back against the headrest, lips slightly parted, his lean throat bared to you, looking every bit as wrecked as you feel. Legs trembling, he starts to tense in that all too familiar way underneath you. You recognize the strained inhale and hiss of breath, as he stops thrusting, trying to hold back. He grips at you, in an attempt to beg you to still, to let him recover.
“Fuck! Baby, stop—stop,” he pleads; practically whimpering and it’s your favourite little sound in the world.
“Francisco, please. Don’t hold back, I want you to come inside me."
At the sound of his full name passing your lips, his hand curls impossibly tight into your hips, until it’s a sharp pinch of the already tender flesh, forgetting himself in you. A strained whine that escapes from deep in his chest, as one arm locks tightly around your back, pushing you flush up against him when he ruts into you sharply, up and into you as far as he can.
You feel it as he comes, a shattered sob muffled against your neck, hips pushed deep into you, the thick pulses as he spills inside of you, face pressed into the valley of your breasts, and all you can do is hold him against you as he quivers and shakes in your arms.
Out of breath. Spent. The numbing novocaine of adrenaline starts to leave your system as exhaustion enters instead, and you strain to lift your head to seek his lips again. It catches you by surprise, when you see the flash of disappointment in his eyes and before he even says the words you know what’s bothering him.
“You didn’t come.”
Misguided pride that he came before you did, as if he has no short term memory and has already forgotten that he’d rendered you into a state where your legs had gone numb from how hard you’ve come.
“Frankie, it’s okay—” you start, cupping his flushed cheeks, as you kiss the tip of his nose, “—I already—”
“Stay,” Frankie interrupts with a growl as he guides you back down, until you’re lying down pressed against the seat cushion. Then he slides down between your legs again, his knees digging into the car seat. He spreads your thighs over his shoulder, until his mouth is within reach of your cunt again. Sloppy kisses, with such eagerness it’s enough to make a grown man blush. Tasting his cum and yours on his tongue, creamy and warm, as he cleans the mess he’s made of you.
“Fuck! Frankie— are you fucking serious?” One of your legs kicks out as every nerve protests the relentless attention, and he has to hold onto your thigh, pressing it down against your chest to make sure he doesn’t get kicked in the face as he continues. He hums, low and content, and you can feel it deep within you.
“Frankie, it’s too much…” your heels dig into his back, bucking further into his mouth as he devours you hungrily with his tongue.
“It’s ok. I’ve got you,” he murmurs against your skin, caressing your thigh with a soothing hand to bring you down as you’re shaking all over. Turning his head, he places a far too chaste kiss on your knee, a mockery of what he’s actually doing to you right now, if he wasn’t so sincere. 
Bending down again, lips barely brushing against your folds; he presses a plush kiss on your clit, tonguing the overwrought nerves, and you roll your hips up against his mouth again and again, using his mouth to make yourself come. A moan breaks from him, and he grabs at the side of your thighs, fingers denting into the flesh and lifts you closer to his face until you’re pressed tightly against his flushed cheeks.
A whimper is forced out of you, one hand weaving into his dampened curls and fisting them so tightly it must hurt, and Frankie just groans keenly at the sensation, the gorgeous, eager sounds of it reverberating against you.
You need the closeness of him even if he isn’t inside you as you come this time. The reassuring weight of his chest pressed up against yours, his eyes looking into yours, his lips on yours. After so much time of being separated from him, you just want him, all of him, as much as you can have.
“Please.”
“Please what, querida?”
If you had any cognitive functions left for things other than chasing the deep arousal burning in your stomach, you imagine you might have been able to say something a bit more coherent. Instead, you’re whining “need you” and “please” over and over again which only has Frankie’s brow raising in confusion. It’s not until he feels your fingers curl around the fistful of hair, pulling him up towards you that he finally understands what you want.
Frankie grunts as he drags himself away from your pussy and climbs up to kiss you, tongue melding against yours, until you can taste the lingering sweet tartness of your mingled orgasms on his tongue. His thumb replaces his tongue on your clit, rubbing slow aching circles that have you bucking sharply into his touch.
“You have me,” Frankie murmurs into your mouth, before sealing your mouth with another kiss. “You have all of me.” 
Always have. Always will.
Your thighs tremble, spine trying to arch, but your limbs are so spent that you are struggling to keep yourself upright. Frankie holds you by the small of your back, carrying and supporting what you’re unable to on your own. “I’m yours,” he whispers, and when you come again it’s with his lips on yours, allowing him to swallow every sound, worry and doubt from you.
Everything blanks out and you stop hearing sounds as if all your senses disappear. The last functioning brain cell thinks that you might be having a seizure or a stroke, but in all honesty you can’t even remember what either of those things are anymore. Then the light of the last brain cell goes out. Endorphins flood your brain and trickle down your shoulders to your chest and pools at your stomach unwinding every tiny muscle in its path. You vaguely register that your legs are shaking. Your toes are curling, and you're digging into the coarse fabric of the carseat so that you don't fall off from the edge of the world that you're precariously balancing on.
In its wake, you're left in a dreamlike state. You can’t feel your legs. Your face prickles, nose tingling. Your head is completely empty and yet you feel full to the brim. Everything is quiet and you can’t even hear yourself breathe. Then in its own good time, your systems flicker back to life. You become aware of the weight of Frankie pressed up against you and unwind your arms so that he can entangle his long limbs between yours, face nestling into the nook of your collarbone as you’re both trying to catch your breath.
It’s an old instinct brought back to life that makes your nails start to gently thread through the thick, tangled locks, and you can feel him shiver against you at the attention. His lips are pressed against your damp skin, and you think you hear him tell you something, but it’s so quiet that you have to ask him to repeat himself.
“Us,” he murmurs into you, and you catch the familiar scratch of his scruff against your chest, the fine scraping comfort of it. “That’s what I want.”
A warmth unfurls in your chest, and there’s a pleasant ache that stings behind your eyelids. “Me too.”
It’s the first time in a long while, much longer than you want to admit, as you’re tracing the fine hairs on the nape of his neck that you catch yourself thinking, I love you. You don’t say it out loud, so you can’t blame Frankie for not responding with, I love you too. But you can feel it in the steady beat of his heart through your own chest, the polite knock on the door, waiting patiently to be let in and you think you’re finally ready now. And even though you don’t say it, even though neither of you say another word as he lies with his weight on top of you, the soft overgrown curls tickling your throat, this is enough for you.
This is enough for now.
The rest will come with time...
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Dedications: To @yespolkadotkitty​​ you own my heart!! I love you beyond words, the mostest of them all; and most beloved crowned angst-queen, co-conspirator @thirstworldproblemss​​ Thank you both ever so much for your endless patience with me, talking me off the ledge from deleting and for being the most amazing beta-readers.
Also to @loversandantiheroes​ 🎂 HAPPY BIRTHDAY!!!! 🎉 you amazing genius you! & to @buttercup--bee​ 💖🐝 know that I love and adore you and your beautiful writing.
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minervacasterly · 4 years
Text
Henry VII & Elizabeth of York's Dynastic Union
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“Henry VII did not remarry. It is difficult to know, at this distance, just how sincere his marital attempts were; whether they were driven by personal factors or simply another facet of the complicated game of European politics, or both. It would be misleadingly anachronistic to separate these motives and see his attempts at wooing as anything less than his royal duty. If he was looking for comfort, he might have found a willing wife closer to home, among his own nobility; dynastically, the pool of available women failed to provide him with a successful candidate. Perhaps it was the very geographical and political distance between him and these potential brides that made them attractive; the king was the ultimate prize in the delicate game of foreign alliances and to commit himself may have risked alienating other potential unions. He was spoilt for choice, so long as his marriage remained theoretical. There is no doubt about the genuine grief he exhibited at the loss of his wife, retreating ‘to a solitary place to pass his sorrow’ and seeing no one except ‘those appointed’. Ill health increasingly plagued him during the last years of his life, as he resigned himself to his losses.”
- IN BED WITH TUDORS: THE SEX LIVES OFA DYNASTY FROM ELIZABETH OF YORK TO ELIZABETH I by Amy Licence
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“In many ways, the union had long been inevitable. From the early negotiations of Edward IV, bogus though they might have been, through the long years of plotting and maneuvering in separate exiles, emerging against all odds as the inheritors of their respective houses, Henry and Elizabeth moved steadily towards each other. Now that they were joined together, they would rarely be apart for the rest of their lives-unless necessity wedged between them.”
- ELIZABETH OF YORK by Nancy Lenz Harvey
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"In theory, it was a perfect match. Henry claimed the throne by right of conquest and had overthrow a regime that had been unpopular in many places, tainted by the controversy of Richard’s accession and the disappearance of Edward V. His Lancastrian roots gave him the requisite degree of authority but he had not been heavily embroiled in the bloody events of recent decades, making him a new face on the political scene. However he was still sufficiently British, having been born at Pembroke Castle and spending many of his early years as a ward of the Herbert family in their impressive Raglan Castle home; there had been the possibility of a marriage to their daughter Maud before the events of 1485 unfolded. Elizabeth’s popularity was legendary. The common sympathy for her sufferings also assimilated much of the outrage and grief surrounding the deaths of her brothers and the majority of England recognized her as the rightful heir of the house of York. However, there was no expectation that she could rule alone. A woman’s subordinate position to her husband extended even to those through whom the inheritance traveled. She was of marriageable age, tall, beautiful and had been brought up in anticipation of queenship. The union had been proposed by their mothers through the long days of suffering under Richard, liaising in secret through the offices of a mutual doctor and astrologer while the dowager queen remained in sanctuary. The prospect of success must initially have seemed remote. Eventually, if Henry had married either daughter of the protectors of his youth, Anne of Brittany of Maud Herbert, Elizabeth would have even free to marry and take her royal inheritance elsewhere. Providing she chose carefully, she and her husband would then have been rival claimants to the English throne and perpetual thorns in Henry’s side. So, to what extent did Henry and Elizabeth choose each other? The union was practically decided by the time they eventually met, probably in early September 1485 … Henry’s splendid coronation took place on 30 October 1485 … The wedding did not take place, though, for another three months. This is not to suggest Henry was not keen for the match, as some historians have concluded: there was his first parliament to sit, repeals of the law to ensure that Elizabeth’s illegitimacy was rescinded and dispensations to secure, as well as a terrible outbreak of plague in the capital that autumn … Henry also want to ensure his kingship was established and independent of Elizabeth’s claim before the ceremony took place. The couple probably met on a number of occasions, both at court and at Margaret Beaufort’s home, Coldhabrbour House, an ancient building originally named La Tour, comprising two linked fortified town houses, with a number of chambers of suites of rooms within its tower and a Great Hall on the riverside. Perhaps Henry was taking the time to get to know his bride; more cynically, it has been suggested he was ensuring she was not carrying of his predecessor. Elizabeth was not pregnant But she may have finally yielded to Henry’s advances once the union appeared a certainty. The couple’s first child would arrive the following September, exactly eight months after the wedding, a time frame which has given rise to much subsequent historical speculation. Assuming the baby was full-term, conception must have occurred in mid-December 1485. Parliament approved the match on 10 December 1485, suggesting consummation around that time, almost exactly nine months before the birth.
Predictably, early Tudor chroniclers were full of blessings for the match. The fourth Croyland continuer wrote that the marriage, 'which from the first had been hoped for’, was lauded for the sake of Elizabeth’s title as well as her virtues: 'in whose person it appeared that every requisite might be supplied, which was wanting to make good of the title of king himself’. He cites a poem included by the previous Croyland writer that 'since God had now united them and made but one of these two factions, let us be content’. Other writers celebrated that 'harmony was thought to discend out of hevene into England’ from this 'long desired’ match. Shakespeare presents them as the 'true succeeders of each royal house, by God’s fair ordinance conjoin together’. Their heirs would bring 'smooth-faced peace, with smiling plenty and prosperous days’. Hall claimed the match 'rejoiced and comforted the hartes of the nobe and gentlemen of the realme’ and 'gained the favour and good minds of all the common people’ ...
Henry also sought to obtain a second papal dispensation for the match, as the pair were related within the fourth degree: he already had one dating to March 1484 and could not allow any possibility of the marriage being invalid. This involved religious and legal specialists giving depositions about their respective lineages before witnesses, which was confirmed by the current papal legate to England, James Bishop of Imola. He was successful on 16 January. Two days later, Elizabeth and Henry were married."
- ELIZABETH OF YORK: THE FORGOTTEN TUDOR QUEEN by Amy Licence
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skinks · 4 years
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Please Please talk to me about Maggie Tozier and what she’s like and looks like and what Dilfworth Tozier loves about her and made him put a ring on it and in general how much her two boys love her and how she loves them.
[cracks knuckles] here we go
I was looking through my copy of the book yesterday to answer this ask but then I figured, y’know what? Canon can suck it. I tend to beat myself up over accurate characterisation for Richie and Eddie, but they’re main characters, Maggie and Went are not, so the details are inconsequential. Their ages in the Dilfworth fic mean that they’d have a pretty different life experience from their book versions, what with growing up in the 60s/70s, but imo all that matters is that they love Richie and are good parents. Canon is ours now!!!
- my no.1 headcanon rn is that Maggie sings like an angel, and sings all the time. In the car, in the shower, gardening, housework, cooking. She and Went have a pretty good record collection, but if Went is listening to something and hears Maggie singing to herself in another room of the house he shuts that shit off quick so he can hear her.
- I wrote in ithots that Richie busts out into song at the drop of a hat, right? well, where Richie gets encouragement with his Voices through Went participating, Richie gets his incessant singing from Maggie, because he grew up in a household where that was welcomed.
- Maggie doesn’t even notice she’s doing it until Richie joins in, or she turns around and sees Went gazing at her all dopey, and she gets self-conscious
- until Went is like “I don’t know why. You know I think you’re a songbird” and then grins and calls her Magpie. She says stop. He says, Maggie-pie? She throws a dishcloth at him but secretly loves it because she fell in love with how frank and practical he is most of the time, but also how silly he is only when it comes to her and Richie.
- he only calls her that when they’ve had one too many anyway, otherwise it’s all sweetheart, honey, darling, Mags. Marguerite, in Richie’s stupid French Waiter Voice. “Yes ma’am” for when he’s rearranging her guts. Maggie’s the one to call him “my love” the first time, but she said it kinda exaggerated and jokey, and Maggie just doesn’t joke the way Went and Richie do so Richie noticed the way his dad just cracked tf up and was like wow, Mom must be really, really funny
- so y’know how Richie calls Eddie “my love” in the book, and is generally quite physically affectionate? He picks all that up from his parents, watching their example. Wants to make Eddie laugh like that
- for some reason I always imagine she speaks like, French or Italian fluently. I’m stealing @honeyreynolds hc that her maiden name is Avery for Tex Avery, but maybe her own mother was European. She tries to speak French with Richie as a baby/toddler so that he’ll be bilingual, and she’s so proud/frustrated because he’s clearly smart and has a knack for linguistic imitation, but his attention span is just. Non existent
- still makes lil kid Richie giggle by doing exaggerated Italian and making him guess what she’s saying
- I think she’s pretty elegant and reserved and almost shy on the surface with a rly wry sense of humour, so people tend to think she’s snooty, but she’s just... so concerned with keeping the peace and not saying anything bad about someone. Tries to see the best in people. This can lead to a lot of embarrassment when Went is so upfront and medical-frank about stuff or if Richie’s being a dumbass in public, but really she just envies their typically masculine lack of inhibition
- this is because she’s got this killer wicked streak. Maggie’s got a hidden well of scathing diatribes and Went knows it because
- they met on a plane in 1971 when Maggie was flying back to college for her final semester of senior year, and the man in the seat next to her started having an attack of some kind. The stewardesses appeal desperately for any doctors on board, nobody answers. Anyone at all? We’ll have to land the plane! Maggie’s trying to slowly shift away from this man and his spasms without seeming rude when she hears a deep sigh in the seat behind her and someone saying “I’m ethically bound to admit I have a licence in dentistry,” in a voice like he’s in on some joke nobody else knows.
- this guy unfolds the longest legs she’s ever seen and comes to squat right next to her and her apparently dying seat partner, she notices he’s nice looking and keeps glancing at her, there’s banter. Eventually he shrugs and is like “imo this man has a bad case of wind.” And Maggie just TEARS Went a new one like oh nice diagnosis DOCTOR DENTIST where’s your seatside manner?!?! what kind of name is WENTWORTH anyway! and Went’s like 👀😳😍 and then the dying man lets out a giant fart and Maggie recoils, all her pretty poise and indignation turning to base disgust and Went bursts out laughing and offers her the seat next to him
- turns out his first residency is in the next town from Maggie’s college. She’s only dated preppy meatheads before who only ever tried to flatter her and stopped listening when she talked about her music theory degree or the books she likes. But Went always grins and side-eyes her and cranks the volume whenever Maggie May comes on the hits station, because then she’ll whack him with a book. She’s so SWEET he loves goading her into releasing some more of that plane rage, like one day she’s prowling on the edge of a rant about her TA and trying to be reasonable. Went’s like, do it. You’ll feel better. So she fuckin rants her head off for ten minutes until her hair’s all dark and wild like an Arthurian queen and she looks over at Went reclining all impressed on her dorm bed and he’s like. I have never been more in love in my life. Can you sit on my face and make fun of my name again
- so yeah they’re both like, quietly distinguished and outwardly calm model citizens of Derry but in private Went is the fuckin roastmaster and is Maggie’s outlet for frustration whenever housewife suburbia gets too much
- I always picture her as having dark and quite curled hair, sort of Lauren Bacall eyes, and she’s probably tall too. Like 5’8 to Went’s 6’0 or 6’1 which is why Richie turns out to be 6’2 lmao. A family of giants. Honestly the whole time I was writing the Dilfworth fic I was imagining Mary Elizabeth Winstead, that’s my early-30s Maggie that Went is so excited to come home he’s stocking up on condoms. God I bet she’s got some of those single dark beauty mark freckles on her stomach 🥵 Wears hats with big brims. Sundresses. Secretly likes to pretend she’s on a mysterious trip to Rome as she sits in the park watching Richie catch dragonflies. Maybe when she’s older and Richie’s a teenager she looks kinda like Olivia Williams, bc I’ve had a big milfy thing for her ever since she was the mother in the 2003 Peter Pan.
- most kids in Derry have a crush on either Richie’s mom or dad or both and this is unfortunately quite damaging to his self esteem, even though Maggie INSISTS he’s just so handsome. She hates seeing him so insecure
- she tried pot once in college and hated it. The only times she comes close to getting hammered is on book club wine because it’s the only way she can get through them asserting the female orgasm doesn’t exist, then she comes home mildly tipsy and joins in on Went and Richie’s raucous game of cards
- felt a bit left out when Richie was small, with how well Went was able to go along with the silliness. Went sees this and gets Richie to make up a game where she’s Queen Margaret of the Tozier Court and made Richie a knight. They all spoke in bad Medieval Voices all afternoon, and it becomes one of those super long-running family jokes, and Maggie still feels all happy inside whenever Queen Margaret comes up
- ruthless decision maker!!! She had to be, because Went’s so laidback he’s horizontal and is always like “idc what we do as long as you guys are chill” and Richie can’t concentrate long enough to pick what colour gumball he wants, so she has to be staff sargeant. They go to Disneyland and she’s like C’MON BOYS HUP HUP HUP and Went’s like “oh cripes son we’re being hustled!!” but they love it as much as she loves them doing what she says
- great cook because of her indeterminidely Mediterranean mother.
- she genuinely wants to understand Richie’s strangeness but is also stumped as to what to do to bond with him, since she can only think of things she’d do with a daughter. She WANTS to brush Richie’s curls and bake with him but she thinks he wouldn’t like it, so they stick with singing. Is delighted when Eddie very politely and very intensely asks for her help making Richie a birthday cake. She sees how different they are together, and remembers Richie coming home at 5 years old declaring he was gonna marry Eddie Kaspbrak when he grows up, and she thinks... well, if I must have a son-in-law, I would love this one as much as I love my son.
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chobit92 · 4 years
Text
Small World: Joseph/OC Part 41
Sorry it has taken me so long to update this. I have been rather busy and I am crap at this writing lark. Hope you enjoy the next chapter!
Warnings: Sex.
 (2 Weeks Later: Lillith wakes up. John isn’t in bed. She lies there for a while thinking. John has sold his cars except for the Lamborghini. They have also been packing up their stuff. Lillith looks at the boxes scattered around the bedroom. She asked John how they were going to move all of their stuff with just a Lamborghini. He said that they weren’t taking that much. Just essentials and that they would start again once they got there. He still hasn’t told her where ‘there’ is. She sighs. John walks in and puts a cup of coffee on the bedside cabinet.).
Lillith: Morning handsome. John: Good morning my dear. I made you coffee. I’m going to nip out and drop some of this stuff off at goodwill. Lillith: Okay. John: Not sure what to do with the DVD collection though. Sell it? Lillith: Sell it? No. I love our DVD collection. John: Okay. I would take everything with us if I could. But it’s just not possible. I did think about buying a large truck. One that would fit my car in along with all of our stuff. Lillith: Why don’t you then? John: I haven’t got a licence for a truck. Lillith: I’m sure we’ll work it out. How far away is this place we’re moving to anyway? John: Oh it’s a fair way. Nothing like the cities. Lillith: Yes you said that already but where? John: I want it to be a surprise. Lillith: A surprise? Why? Why can’t I know where we’re going? John: I told you it’s a surprise. (He slides into bed next to her and kisses her.). Lillith: I still don’t see how we’re going to get there in your Lamborghini. There’s no way we can fit anything in the damn thing. John: We only really have clothes and personal trinkets. Joseph and Jacob took most of my stuff with them in the bus. I wonder how they’re getting on. Lillith: Hm. They’re probably fine. Missing you though. John: Hm. I doubt it. Lillith: Don’t be silly of course they are. I bet you miss them too. John: Yes. Though it is strange to have my brothers back after all these years. I almost can’t believe it. (She smiles and kisses him.). Lillith: I’m so happy that you have your family back. A fresh start will be good for all of us. John: Hm. Lillith: I love you. John: I know you do. (He kisses her then her neck. She runs her fingers through his hair. He then moves down sucking on each of her breasts. She giggles.). Lillith: John stop abusing my girls. John: Your ‘girls’ love it. Lillith: I don’t know about that. (He grins. She wraps her arms around him and kisses him. He nudges her legs apart and settles himself between them grinding against her. She wraps her legs around him.). Lillith: Shouldn’t we be doing some more packing and getting organised? John: Ummm. Perhaps we should. But you my dear are very distracting. (She giggles. He kisses her again and she slides her hands down his back.). Lillith: I need to see Franky at some point. Before we go. I was hoping to get her to come with us. John: Hm. There won’t be room in the car. Lillith: She has her own car. She can meet us there. John: Hm. Okay. (He kisses her again before sliding downwards and disappearing under the sheets. She sighs and arches her back as his mouth covers her.).
*
(2 Weeks Later: Lillith is leaving to go and see Franky. They are ready to leave but John still hasn’t told her where they are going.). Lillith: Not even a hint? John: I told you. I want it to be a surprise. I want to surprise you. Lillith: Franky will probably want to know where we are going. John: Then you will have to tell her that it’s a surprise. Lillith: Okay. Fine. John: What if Franky doesn’t want to come with us? Lillith: There isn’t much I can do about it if she doesn’t. But there’s no harm in asking. John: Hm. Well we leave tomorrow. Lillith: I can’t wait. I can’t wait to begin a new life with you. John: Me neither. (He kisses her.). Lillith: I’ll be back soon. John: No you won’t. You’ll be with her all day chatting and drinking. (She giggles.). Lillith: See you later. (She kisses him.). John: See you later. (He hugs her tightly and kisses her then her head.). John: I love you. Lillith: I love you too. (She smiles at him and leaves.).
*
(Lillith and Franky enter the apartment giggling. Franky still isn’t sure about coming with them. Lillith has been trying to persuade her all day. Lillith opens the cupboard and pours them some champagne.). Lillith: John! Franky: I’m gonna fucking miss you girl. Lillith: Then come with us. Franky: I don’t know. What about my apartment? My job? Lillith: Get a new apartment and new job. Franky: You don’t even know where we’re going. Lillith: No but John said it’s a real nice place and it’s gonna be amazing. (She has poured three glasses of champagne.). Lillith: John! (She takes a sip of champagne and hands a glass to Franky.). Lillith: John! The hell’s he doing? (Lillith goes down the hall to the bedroom. Franky sips her champagne and leans against the counter. She then sees a note stuck to the fridge with Lillith’s name on it. She frowns and takes it off of the fridge before she opens it and starts to read. Her mouth drops open as she reads John’s words.). Franky: Son of a bitch! (Lillith returns frowning.). Lillith: He isn’t here. (She takes out her phone and goes to call him when Franky holds the note out to her.). Franky: You need to read this. Lillith: What is it? Franky: The note that John left you. Lillith: Note? John doesn’t leave notes. (Lillith takes the note and starts to read. She stands frozen her mouth open as she reads the words but doesn’t really take them in. She is aware of Franky putting her arm around her. Aware of the ticking of the clock on the wall. Aware of the small hum coming from the fridge. Then her legs give way and Franky tries to stop her from falling. He’s left her. John has left her. He’s gone without her. A sob escapes her throat before she screams. Franky tries to calm her while taking the note from her and reading John’s words again.).
My dearest Lillith, I am deeply sorry to have to do this to you but I must. I have left to join my brothers in our new home. The truth is I never intended to take you with me. I have left you the apartment and one of my bank cards. There is enough money in the account for you to live comfortably. You can find the pin number and account information in my bedside drawer along with the card. I do this not because I don’t love you but because I do. You are the only person I have ever loved. The only person I ever will love. But I am no good for you. I can’t be with you. I’m sorry. You will get over me and move on and you will meet someone who deserves you. Who treats you like a princess and you will be happy. Truly happy. I know it doesn’t feel like it right now but you will be happy again Lillith. You will realise that you never would have been happy with me. I needed to start again. I needed to leave my old life behind. You are a part of that life. So I leave you behind in the hope that I can start again. I hope too that you can one day start again. We must cleanse ourselves of our sins and move forwards. We must free ourselves from our pasts. I know you must be deeply upset and I am sorry for causing you yet more heartache but one day you will see that this was for the best. For both of us. I love you Lillith. I will always love you. But it was never going to work out. You always knew that. John Seed.
*
(Lillith is standing by the window in the bedroom when Franky walks in.). Franky: Hey. You okay? (Lillith doesn’t answer.). Franky: No of course not that was a stupid question. (Since John left Franky has practically moved in. Lillith went to his law firm several times asking everyone if they knew anything. They didn’t. Only that John had quit and cleaned out his office. She’s even been going to all of his old haunts asking around. But he is nowhere. She has no idea where he’s gone because he didn’t tell her. He didn’t want her to know. She’d tried calling him several times but all she got was a voice telling her that the phone’s switched off. Last time she called she was told that the number was no longer recognised. She sighs and turns around walking over to the moses basket and looking down at the small baby looking up at her. She smiles even as tears fill her eyes as she looks down at her son. She wishes she had told John that she was pregnant. That she hadn’t lied to him and Joe that day in the kitchen. But it wouldn’t have made a difference in the end. She doesn’t think that John would have stayed even if he knew she was pregnant. She is quite sure that he still would have left. Franky puts her arm around her.). Franky: Hey. You’re gonna be okay. I know it doesn’t seem like it right now. But you are. Lillith: He looks just like him. Franky: Yeah he does. (Lillith starts to sob.). Lillith: I miss him. Franky: I know. But he never deserved you. Never. You need to try and forget about him. He ain’t worth your tears. He ain’t. Lillith: He doesn’t even know he has a son. He’ll never know and our little boy will never know his dad. Franky: No different from me. My dad walked out when I was a kid. Never saw him again and I’m okay. Your son has something even more awesome than a dad. He’s got two badass moms. (Lillith smiles slightly.). Franky: It’ll be okay. You’ll be okay. (Lillith looks down at the tiny baby boy then leans down giving him a kiss.). Lillith: Goodnight Gabriel. Mommy loves you.
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myselfinserts · 4 years
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“I’m restless! I can’t help it!”
Tanith let out an exaggerated sigh. As much as she enjoyed shadowing her mentor, today was a rather quiet day in Elspie Village. Far too quiet. And all they were really doing was walking around the docks on the usual patrol route. A route they’d walked twice that week with L when showing her around. There weren’t even any villain threats around. 
It was boring. Far too boring. 
Please, I just want something interesting to happen!
“Hey Luci?” Tanith asked. “How much longer are we gonna walk around?”
Luci looked at her, expression hidden by their mask. “You and L said you wanted to do some hero work. This is part of that.”
“Y-yeah, but-”
“Smells like fish,” L mumbled. 
“Well, it is a fishing town,” Luci sighed. “Hmh, I still have some ground to cover, but you two can go on ahead back to the town center if you want. We’ll focus more on combat training tomorrow.”
L nodded. “I think that’ll work. I wanted to go to town hall anyway.”
Tanith smiled. “Okay then. We’ll head there.”
Luci reached into one of their pockets, pulling out their wallet and handing Tanith some cash. “It’s almost lunch time. Go get something to eat too, okay?”
“Okay Luci! Let’s go L!”
“Lunch sounds good.” L followed Tanith off the docks, the two of them heading back to the town center at a brisk pace. “Is patrols and combat training all you and Amaryllis do?”
Tanith shook her head. “No, I’m also studying law. Kinda required, ya know? And we also do psychology studies as well because of our quirks affecting emotions.” Her smile wavered slightly. “Mostly, they’re like another sibling for me. Always looking after me and helping raise me. It kinda feels like they don’t want me to go the hero route for some reason.”
L let out a soft hum. “To be honest, I don’t blame them. I wouldn’t want my family becoming heroes in Elspie either.”
“Hehe, yeah, I guess.” She sighed, lightly tugging on one of the curls in her hair. “I guess Elspie’s failed to impress, huh?”
“Elspie failing to impress me? Correct.” A light smile covered her face. “But you? I’d say you’re the most impressive thing about this place.”
Tanith’s face dusted pink. “Oh...th-thank you.” 
L smirked, lightly poking her in the arm. “You move about way too much though.”
“Hey, I’m restless! I can’t help it! It gets boring fast in a town this small...”
“Relax, I’m only teasing.”
“Oh. Sorry.”
“No worries.” With a gentle hand, L reached up and pat Tanith on the head. “You seem like you’re not used to having a friend tease you.”
Tanith’s stomach sank. “Yeah...I’m sure you’ve noticed already, but-” she glanced over her shoulder, noticing a couple of people whispering while watching them pass by “-I’m not exactly well liked here. Most darkness absorbers aren’t here.”
“Mhm. Perhaps a trip to Estmund is in order then.”
“Estmund?”
L reached into her pocket, holding up a brochure. “It’s a long boat ride from here, but the kingdom is your island’s neighbor. I hear their king has a quirk just like you.”
Tanith’s eyes went wide and she gingerly took the brochure in her hands, looking it over carefully. There were photos of beautiful markets, vast forests, and amazing ships. Wide open fields, a magnificent castle, and cats in every other shot. There was even a segment on castle tours, with a black and white image of King Davis beside it. 
“Someone like that has a quirk like me?” 
“Yep. That’s part of the reason I wanted to go to town hall.” She tapped the brochure, pointing to the segment about the crime rate. “There’s no heroes there, and they only occasionally hire heroes from here, and yet things are prosperous. I want to submit a form to go visit on hero business and learn more.”
“L, that’s fantastic!” Tanith handed her back the brochure. “We should go! I bet there’s all kinds of things we can learn there!” Her excitement dimmed slightly. “But I don’t know if Luci would be allowed to go. Or Marianne. I can’t exactly go without a supervisor...”
L smirked. “I know just the hero to ask to be our escort. No need to fear.”
Without another word on the matter, Tanith smiled, and the two continued their way to town hall. Despite the out of season snow having been mostly cleared away, the chill in the air remained, causing passerby to huff out air in swirling steam. The closer to the building they got, the more side-eyes Tanith felt burning holes into her back. She tried to ignore it. Her penpal didn’t run away, and was funny and kind and genuinely seemed to like her. Nothing could take her down from this high. 
Though it did waver just a little when the security guard stopped them at the door. 
“Sorry,” said the guard. “Town Hall is closed to the public today. Only Heroes and public servants can enter.”
“But I’m in the apprenticeship course,” Tanith said. 
“Then where’s your mentor? You can’t be here without a supervisor.” 
L stared at him, lightly tapping her cane. “And why not? I have a provisional licence.” She reached into her pocket, pulling out the card from her wallet to show the guard. “See?”
The guard sighed. “Okay, you can enter then.” He pointed to Tanith, eyes narrowed in warning. “You have to wait outside.”
“That’s not-”
Tanith put a hand on L’s shoulder, shaking her head. “No, it’s okay. I’ll just wait outside. You go take care of your paperwork.”
“...are you sure?”
“I’m sure.” She smiled fondly. “I’ll be fine. Really.” She glanced around, eventually finding a bench just across the street. “I’ll wait over there. Then we can go get lunch at the Secret Felines. Okay?”
“Okay. I’ll be quick then.”
L hurried inside, and Tanith went over to the bench, letting out a sigh as she saw the guard return to work. As she sat down and looked up at the sky, she saw that the snow was starting to fall again. No doubt from another bout of heroics from the islands ice type users. Tanith didn’t want to admit it, but she was rather jealous. She’d give anything to have a quirk like that. At the very least, it’d make things easier on her family. 
But...L doesn’t seem to mind. Neither do Elmo and Raph. Or my family...is it really okay for me to be a shadow absorber?
Tanith shook her head. No use crying over something she had no control over. What’s done is done, and she had to make the best of it. 
“I wonder what Elmo’s up to right now,” she mumbled. 
“Hey Tan!”
Tanith turned around in her seat, a surge of joy sending her to her feat as she saw the very same pink haired lad running up to her, dressed head to toe in winder wear and carrying a decent sized cardboard box under one arm. She threw her arms around his shoulders briefly, unable to feel anymore sadness. 
“Hey Elmo!” she greeted cheerfully. “How’re you?”
“I’m good. A little chilly, but what else is new on Elspie.” His face was painted with a soft blush, his red eyes gentle and warm. “So, um...how’re things? I heard through the grape vine that Amaryllis got a couple of kids grounded.”
“Oh, that,” Tanith sighed. “Yeah, some of the big kids threw snow balls at me filled with rocks. But it didn’t hurt, really. It’s fine. I’m used to it.”
“That’s still not fair.” Elmo grimaced. “If...if I were there, I’d have-”
“You’d have what?”
“Whaaa!?” The boy hid behind Tanith, shaking as she turned to see L, who was holding a folder under one arm. “Wh-who is that?”
“That’s what I was going to ask.” L looked at Tanith, then back to Elmo. “Is this kid bothering you?”
Tanith shook her head. “No, it’s okay. He’s friendly.” She looked at Elmo, trying not to laugh. “And don’t worry, she doesn’t bite.”
“You sure?” Elmo peeked around Tanith’s shoulder. “She’s not gonna...eat me, is she?”
L’s eyebrow quirked up slightly. “Nomnom.”
“Eep!” 
“Relax!” Tanith giggled. “L’s not gonna eat you. You’re too gamy.”
“No you too...”
“It’s okay, Elmo, really.” She stepped aside, moving so L was to her left. “Elmo, this is L, my pen pal. L, this is Elmo Sterling, my best friend from school.”
“Pleasure to meet you,” L said. 
“Y-yeah,” Elmo stammered. “You too.”
“We’re gonna go get lunch,” Tanith said. “You wanna join us?”
Elmo smiled timidly. “S-sure. Uh...where, uh, did you want to go eat?”
“The SF, of course!”
“But...it’s closed right now.”
Tanith’s eyes went wide. “Really? Ceri never closes the SF except for two days in the whole year!”
Elmo shrugged. “He was leaving with that cool looking guy he’s always with, so-”
The girls gave a soft “ah” in unison, nodding approvingly. “His boyfriend,” they said. 
“Yeah. That’s the guy.”
“Mreow!”
Tanith and L’s eyes snap towards the box, Tanith’s eyes practically glowing while L’s expression remained neutral. Elmo chuckled nervously, lightly tapping the box as if to try to quiet it. 
“So,” L said slowly. “What’s in the box, Elmo?”
“Uh, it’s, um. W-well, you see, I...”
“Mrrrow!”
He winced, letting out a sigh and setting the box on the bench so he could open the lid. The girls leaned in, letting out soft gasps at the contents. Inside the box was a fat calico Scottish fold, laying on a fluffy black and blue tartan blanket, wearing a green collar with a small bell on it. She stared up at them with two-colored eyes. One green, one blue. Both bright and shining like stars. She practically started purring when the girls saw her. 
“A baby!” Tanith giggled. 
“Pretty angel,” L agreed. “Where’d you get her?”
“Mom and dad rescued her on a mission and we’ve been looking after her,” Elmo explained. “But we can’t keep her anymore. Raph’s moving in to finish school and his asthma has been acting up, so my parents didn’t want to risk him having an attack. So I have to find someplace for her to stay.”
Tanith reached down a hand, lightly petting the cat, who nuzzled into her touch. “We could take her. My uncle is allergic, but as long as she stays in my room and we don’t say anything-”
“Are you sure?”
“I’ll just say it was my idea,” L added. “I want to stay with the kitty a little longer.”
“Then it’s settled!” Tanith smiled brightly. “Kitty will come stay with us.”
Elmo chuckled. “Okay. Oh, uh, she does have a name though.”
“What is it?”
“Meatloaf. Because she stole dad’s meatloaf when we first brought her home.”
L smiled. “Adorable.”
The kids spent the rest of the day buying supplies to take care of Meatloaf, making a quick pit stop at the Rose Dust cafe for some tea and sandwiches. Marianne and Uncle Elbert were out for the day due to a doctor’s appointment. By the time they’d gotten home, the kids had set up the bedroom so that Tanith and L could look after the cat with little to no problems. 
When Tanith went to bed that night, she didn’t think she could feel any happier. 
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“Tanith. Tanith wake up.”
Tanith grumbled away, rubbing her eyes as she glanced at the clock. “L? It’s only three in the morning. What’s wrong?”
“Look!”
Tanith followed L over to Meatloaf’s bed, trying not to yawn. It’d been a week since the cat came to live with them. And despite the occasional sneeze from Uncle Elbert, no one seemed suspicious. 
But as she saw what had L all worked up, Tanith knew they wouldn’t be able to hide the cats for much longer. 
There, breathing slightly heavily, was Meatloaf, snuggled up to five adorable kittens. One large, fluffy tabby. A little one with a black coat with white spots. Two that were calico like mama. And the last, the smallest of them all, was a golden blonde tabby. 
“Oh my,” Tanith whispered. “They’re all so cute.”
“They are,” L said fondly. “But...what are we going to do? We can’t hide the kittens. They need to see a doctor.” She reached out her hand, lightly petting the biggest kitten, who seemed to naturally lean into her. 
Tanith nodded. “As much as I don’t wanna risk losing Meatloaf, the kittens come first.” She glanced at the door. “I’ll go get Mari.” 
The rest of the night faded into morning fast. There was some frustration, but none of the adults got mad at them. Soon, everything for the cats were moved into the living room, and Luci went to get the vet, since Meatloaf was insistent on not leaving the house. Breakfast was quiet, but not unpleasant. 
“Well,” Elbert sighed. “At least I know why I’ve been all sneezy now.”
“Still surprised you’re not mad,” L said. 
Elbert shrugged. “I once hid a Newfoundland in my house for a year before my parents realized what was going on. Honestly, I’m just glad you felt okay enough to trust us when the kittens came along.”
“Can’t we keep them, uncle?” Tanith begged. “Please? I know it’ll be a lot of work, but-”
“I’m afraid not, kiddo. At least, not all of them. If you wanna keep Meatloaf, I’ll learn to deal. But financially, we can’t afford to keep all five long term.”
L looked down at her lap. “We have our Estmund trip coming up. And by the time Camilla’s old enough to come back with me, I’ll already be back home. And I don’t know if I could send for her given Elspie’s less than helpful way of doing things.”
“You have a point.” Elbert sighed, lightly tapping his finger on his chin. “It’ll be a bit much but...Let me call Rosine. See if we can pull a couple more strings. It’d be easier to send, uh...” He glanced at the bundle of kittens “which one’s Camilla?”
“The big tabby,” Tanith said. 
“Right. It’d be easier to send her along once old enough if she were in Paris, right?”
Tanith’s eyes went wide. “Are you saying we should send the cats to France with Regi?”
“That’s exactly what I’m saying. Regi needs something to do since he’s got less hero work to do at the moment. Let me work something out.”
“Okay.” Tanith looked at L, who smiled back at her. 
It was all going to be okay. 
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poipoi1912 · 7 years
Text
SVU Thoughts
Just a quick (lol jk) overview of S18, now that it’s finally over, and some wishes for S19. I just had to put this post together, to properly leave S18 behind.
Character Progression in Season 18
Liv
She started off the season in a happy relationship, freshly back from a Paris vacation. She ended the season single af. Nothing else changed. Her professional life is exactly the same, and her personal life consists of Lucy practically living in her house.
Barba
He started off the season doing nothing. He ended the season also doing nothing. The only thing that changed was a suspension on his record, for something that happened decades ago, and the further deterioration of his career. The promising storyline of his death threats was dropped, and we still know absolutely nothing about his personal life.
Sonny
He started off the season as a recently licenced attorney who was doing job interviews for ADA positions. That was never mentioned again, same as his law degree and career aspirations. He ended the season as just another cop. He is the only character with a positive development in his personal life, as he was briefly revealed to be dating someone who's a 34B.
Amanda
She started off the season living with baby Jesse and Frannie, she got a (temporary?) houseguest in the form of her sister Kim, and now I guess she's Kim-less again  (which is her loss). Absolutely nothing else happened in her life, personal or professional.
Fin
He started off the season wanting to become a Sergeant. He is the only character with a positive development in his professional life, as he passed the Sergeant's exam. He did not, however, end the season as a Sergeant. He's still a detective, badge and all, and he has not yet been "appointed" a Sergeant. The promising storyline of his son having a baby was dropped, so no Grandpa Fin for us.
To summarize: Liv is single, Sonny is not single, and Fin is almost a Sergeant. That's all. 
Now let’s compare that to, say, Season 17. 
Character Progression in Season 17
Liv
She started off that season alone, and she ended it in a happy relationship with Tucker. That relationship was tested, and it also put a delicious strain on her friendship with Barba, though both of those problems were thankfully resolved. She had to assert herself with Mike Dodds, who was the Chief's son-slash-plant, as well as a Sergeant who was hellbent on proving his worth, sometimes even undercutting her authority. She showed Mike who was boss, he fully accepted her as his superior, and then he died, leaving her to deal with his loss and the blame, which she thought fell on. Liv was tested as a leader, as a friend, as a romantic partner, and as a mother, and she came out wounded, but on top.
Barba
He started off the season doing nothing (lol), but he then tackled several politically charged cases and he stuck to his guns, every time. He fought for his beliefs, even when he disagreed with the squad. Barba had to deal with politicians and community leaders and union reps and and media attention. He was under pressure from his bosses (something acknowledged by other characters, like Liv and Sonny) and we got to see him as part of a relatively fully-formed political universe, which, in turn, allowed us to see what he was made of. We got to witness his stress, but also his backbone. Near the end of the season, we learned he had been receiving death threats, which again allowed him to show how fearless he is. When the season ended, we left him in protective custody, still in danger, but "not worried, not in here."
Sonny
He started off the season as a recent law school graduate, studying to pass the bar and considering his professional options. We got to see him shadowing Barba to advance his legal knowledge, we got to see him thanking Barba for the help, we got to see him celebrating his success (passing the bar exam) with the squad, excited hugs and all, and we also got to see Barba suggesting an ADA spot in Brooklyn, as a possible career option for him. Sonny had a very cordial relationship with Mike Dodds, who wasn't accepted very warmly by the rest of the squad. That showed Sonny's supportive and friendly side. When the season ended, we got to see Sonny's renewed desire to stay with SVU, after Mike's death, because career aspirations are one thing, but Sonny's work family is another. And Sonny wanted to be there for them. Still, the door was left open for Sonny to eventually pursue a different career path.
Amanda
She started off the season unexpectedly pregnant, and she made the decision to have the baby. She managed to overcome her struggles with addiction, for the sake of her child. She tried to reach out to her family for help (which, gurl!) and she was betrayed by them yet again. She found herself alone, or so she thought. In truth, Amanda found another family, in her team mates. Her relationship with Fin, which used to be more heavily featured, was strengthened and showcased after many years, and she also learned to rely on Sonny, as a good friend and an even better babysitter. Her relationship with Liv was also strengthened, and they were there for each other as mothers, as women supporting other women, even when they had professional disagreements. Amanda also had a very tense relationship with Mike Dodds, which enriched her character. It allowed her to keep her trademark sass/spunk while also showing her more human side, as she came to appreciate Mike, the more she got to know him.
Fin
He started off the season regretting the fact he wouldn't step up and take the Sergeant's exam. He resented Mike for that, even though it wasn't Mike's fault, and we got some interesting scenes between him and Liv, discussing just that. Discussing their lives, their careers (especially at their respective ages) and their future. Their responsibilities as the (de facto) leaders of the squad. Fin also got to be there for Amanda, as I mentioned above. At the end of the season, we also learned that his son was in the process of having a child, and Fin was an excited grandpa-to-be.
Mike
He didn't get the character development he deserved until later into the season, but he did function as a catalyst, allowing us to see different sides in all the other squad members. That's why a new character always brings something to the show. New dynamics are created. Again, the writing did not do Mike justice, and his death was rather senseless, but we did get to know him, in the end. He started off the season as a somewhat detached and aloof character, but he ended it as a member of the team. One we were all sad to lose.
So yeah. Draw your own conclusions :D
My conclusions?
Season 19 Suggestions
Bring in a new squad member.
That will breathe life into the show (like Sonny did, when he arrived) and it will flesh out the rest of the characters, as they try to navigate a new presence in the (practically empty) squad room.
Map out individual character arcs.
Take each character and say, “They will start the season HERE, and they will end it THERE.” It doesn’t have to be anything elaborate (especially for the characters who aren’t Liv). But it has to be something. Personal or professional. Some type of progress. Some forward movement. They can’t all end the season right where they started.
Rediscover the sense of a squad.
The characters are people. Colleagues. Friends. Family. They need to interact more heavily, in ways which showcase their dynamics. Similarities and differences alike. Since there are no actual “partners”, utilize that by mixing up the duos working each case. Don’t isolate characters. Integrate them. 
Expand the types of cases being investigated.
Don’t just show “rich white people” crime, and exclusively focus on he said/she said rapes. Don’t show the same crime fifteen times. Variety is key.
Showcase Barba in the trial portion of the show.
Don’t waste time arguing physical evidence, when the legal arguments are much more interesting. Don’t spend twenty minutes on the defense attorney victim-blaming. Show Barba being cunning. Being smarter. Don’t allow him to be swayed by the non-lawyers (like Liv) or even the lawyers (like Sonny). Barba is the ADA, he makes the decisions. Show that. Give him back his strength and his big brass balls. Have him win, personally, and fail, personally.
Remember who the characters are.
And what they would do. Or what they wouldn’t do. Don’t sacrifice that for the sake of a twist, unless it’s a very good twist. Also, remember who the characters are to each other. Strengthen their bonds, show some friction, but let them be who they are. They’ve all existed for years, and they now transcend the week-to-week writing. Listen to the cast, and let the characters be true to themselves.
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rkohsehun · 7 years
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turning point**
…on going call 00:02:55
“you’re practically asking us if it’s ok for you to move out. the answer is no.”
the answer came not even a second later. his mother’s frown evident in the way her brows furrow. her expression screams of finality, of a decision that had been set on stone. it’s the same face his father has during business meetings. it’s that look that would have sent everyone else shaking where they stood; would have sent them scurrying to do whatever it is his parents wanted to happen and make sure it’s done exactly how they want it to happen.
it seems like the fruit doesn’t fall far from the tree.
but still, sehun is different - had always been different.
for years he had been immune to this kind of look. he’s rarely told no, and if he does he had always made sure to whine long enough to be able to change their minds and he’s done a lot to do just that. there’s practically nothing he wants that he didn’t get. other times he just do what he wants regardless of what the consequences would be. everyone else can worry about that later. so long as he gets what he wants, nothing else mattered. it’s the mindset he’s always had - one he’s grown accustomed to.
but this time, it’s different.
being away from his parents - with a new environment and circle of friends - had definitey done him a few good things; had helped him mature to some extent. his grandparents aren’t as strict - the maids and butlers do that a lot for them instead. but this time, he has his reasons ready instead of locking himself up in his room to whine until he gets his way. he’s got his options lined up, got his choices to appease his parents instead of ignoring their side entirely. this time he’s ready to reassure them he’d be fine on his own.
sehun had always known why they’re overprotective of him. but he’s turned 18, a legal adult in the eyes of the law, and it frustrates him how he still doesn’t know how to do anything because no one lets him do anything. everyone’s afraid - afraid of his parents, afraid of his grandparents, afraid of the family butler. it’s been fun, of course. he’s enjoyed the never ending perks of being spoiled to no ends. but he’s just… he just wants to to learn how to be independent.
“mum, please!” he starts, again, keeping himself from huffing and rolling his eyes. “how will we know if we–if I don’t try? if it makes you feel better, we can just get a small place and then I can find a roommate,” he rushes the last part before his mother can even interrupt. there’s a long stretch of silence, mother and son having a stare down as if challenging who would back down first. but she’s always been the softer one, easier to reason out with compared to his father, and that also meant she’s by far a lot more protective of him.
“then it has to be someone we know,” is what his father says when it felt like his mother still wouldn’t speak. his posture screams of authority as he stares him down, although the slight slouch is there - only ever seen when he’s around family. there’s something in his eyes, though, a challenging glint as if he’s waiting on how this will turn out. sehun is unaffected, but he can’t deny that he hadn’t expected this kind of request from him. it’s the same one they’ve given him when he told them he wanted to continue his studies in Korea. “and a butler or a maid would be with you–”
“no!” he huffs, unable to keep the frustration in his voice. “that wouldn’t be much of a difference with my current living arrangement. not to mention it would defeat the purpose of wanting to live independently. but I do think I can find someone you already know so you don’t have to worry as much. if not, I promise I’ll introduce them to you properly. then you can interrogate to your heart’s content,” he reasons, making sure his expression mirrors that of his parents’ - determined and undettered. there’s another stretch of silence and sehun takes this opportunity to explain more. “i actually have one in mind - hugo hyung? he offered when I… had vent out things back then,” the memory makes him chuckle fondly. he’s managed to surround himself with good people all by himself. “he said he has a spare room for me, and that they don’t mind me staying. i doubt he’ll let anything happen to me. you already know he’s a good person.”
the look in his mother’s eyes softens somehow and it has him tilting his head in confusion. “I’m actually more worried that you’re more comfortable to talk about your feelings with your friends than with us to be honest,” and even her voice is soft - fond. of course she knew. if there’s anyone who knew him inside and out it’ll be his mother. it has him smiling, as fond as the smile on her lips.
“I actually talked to Minsoo about it, too,” he chuckles, shrugging sheepishly and really, they should also know how good he and minsoo are getting along nowadays.
“…you’re serious about this.”
sehun nods. “I am,” and he bites his lips before he continues. “I also want to continue my studies - dance major, but I won’t be giving up being a sphere trainee.”
“can you do it?” and the worried look in his mother’s eyes returns. “i don’t want you over working yourself.”
“i have to try,” sehun shrugs but keeps eye contact. “but i guess we’ll see?”
there’s a sigh, strong hands clapping sturdy knees. the sound made him flinch a little in his seat and sends the laptop monitor shaking a bit. “i see you’ve made up your mind about everything,” was what his old man says. and before his mother could even try and reason out with his father, his old man reaches over to place a hand on her shoulder and gives her a look. it was soft - the kind he never understood until now - and his mother deflates, a defeated sigh slipping past her lips.
“we still can’t say no to you, can we?” she says. it comes out more of a whisper but the mist in her eyes was unmistakable. it makes his heart stop. “you never let the rules restrain you. you always find a way to break out of them,” there’s a fond chuckle before she wipes a stray tear away. he never pegged himself to be brave. he’s always thought he’s scared to even thing of stepping outside his comfort zone. that’s exactly what he wanted to accomplish this time. what’s she on about? “but you’ve always shown this kind of courage. you’ve never been afraid to break out of your comfort zone to do the things you want to do. it’s one of the reasons why we’ve held such tight reigns on you - we couldn’t keep up. we were worried of a lot of things, but it felt like you’re growing up way too fast for us. you’re our baby, and no matter how proud we are of how much you’ve accomplished on your on, you’re still our baby!”
“we love you, sehun. and if this is what you want, we won’t stand in your way,” this time it’s his father. sehun blinks, growing uncomfortable but couldn’t help but think the warmth that spreads across his chest felt nice. he felt like a child, but not in the bad way. “but you still can’t stop us from sending someone to check up on you once in a while.” and this time, sehun laughs - really laughs - but the tears in the corners of his eyes builds and he’s sniffling. “at least bring the driver with you - although i can already feel that you’ll be taking care of that driver’s licence soon, too?”
sehun chuckles but nods. “one step at a time, dad.”
his old mand laughs. “we’ll call you, okay, love?” there’s a pause just as his father reaches forward, probably to end the video call. he gives him a warm smile. it was brief, almost as quick as the words “i’m proud of you, my boy,” leaves his lips. it was so abrupt he wondered if he imagined it. then the screen turns black.
sehun sits there, overwhelmed, but he’s done it.
it’s a big step, he knows, but it’s also one he needs to do.
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newstfionline · 7 years
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How Japan has almost eradicated gun crime
By Harry Low, BBC World Service, 6 January 2017
Japan has one of the lowest rates of gun crime in the world. In 2014 there were just six gun deaths, compared to 33,599 in the US. What is the secret?
If you want to buy a gun in Japan you need patience and determination. You have to attend an all-day class, take a written exam and pass a shooting-range test with a mark of at least 95%.
There are also mental health and drugs tests. Your criminal record is checked and police look for links to extremist groups. Then they check your relatives too--and even your work colleagues. And as well as having the power to deny gun licences, police also have sweeping powers to search and seize weapons.
That’s not all. Handguns are banned outright. Only shotguns and air rifles are allowed.
The law restricts the number of gun shops. In most of Japan’s 40 or so prefectures there can be no more than three, and you can only buy fresh cartridges by returning the spent cartridges you bought on your last visit.
Police must be notified where the gun and the ammunition are stored--and they must be stored separately under lock and key. Police will also inspect guns once a year. And after three years your licence runs out, at which point you have to attend the course and pass the tests again.
This helps explain why mass shootings in Japan are extremely rare. When mass killings occur, the killer most often wields a knife.
The current gun control law was introduced in 1958, but the idea behind the policy dates back centuries.
“Ever since guns entered the country, Japan has always had strict gun laws,” says Iain Overton, executive director of Action on Armed Violence and the author of Gun Baby Gun.
“They are the first nation to impose gun laws in the whole world and I think it laid down a bedrock saying that guns really don’t play a part in civilian society.”
People were being rewarded for giving up firearms as far back as 1685, a policy Overton describes as “perhaps the first ever gun buyback initiative”.
The result is a very low level of gun ownership--0.6 guns per 100 people in 2007, according to the Small Arms Survey, compared to 6.2 in England and Wales and 88.8 in the US.
“The moment you have guns in society, you will have gun violence but I think it’s about the quantity,” says Overton. “If you have very few guns in society, you will almost inevitably have low levels of violence.”
Japanese police officers rarely use guns and put much greater emphasis on martial arts--all are expected to become a black belt in judo. They spend more time practising kendo (fighting with bamboo swords) than learning how to use firearms.
“The response to violence is never violence, it’s always to de-escalate it. Only six shots were fired by Japanese police nationwide [in 2015],” says journalist Anthony Berteaux. “What most Japanese police will do is get huge futons and essentially roll up a person who is being violent or drunk into a little burrito and carry them back to the station to calm them down.”
Overton contrasts this with the American model, which he says has been “to militarise the police”.
“If you have too many police pulling out guns at the first instance of crime, you lead to a miniature arms race between police and criminals,” he says.
The care police take with firearms is mirrored in the self-defence forces.
Journalist Jake Adelstein once attended a shooting practice, which ended with the gathering up of the bullet casings--and there was great concern when one turned out to be missing.
“One bullet shell was unaccounted for--one shell had fallen behind one of the targets--and nobody was allowed to leave the facilities until they found the shell,” he says.
There is no clamour in Japan for gun regulations to be relaxed, says Berteaux. “A lot of it stems from this post-war sentiment of pacifism that the war was horrible and we can never have that again,” he explains.
There are a limited number of longstanding rifle owners in Japan--when they die their heirs must hand the rifles in
“People assume that peace is always going to exist and when you have a culture like that you don’t really feel the need to arm yourself or have an object that disrupts that peace.”
In fact, moves to expand the role of Japan’s self-defence forces in foreign peacekeeping operations have caused concern in some quarters.
“It is unknown territory,” says political science professor Koichi Nakano. “Maybe the government will try to normalise occasional death in the self-defence force and perhaps even try to glorify the exercise of weapons?”
According to Iain Overton, the “almost taboo level of rejection” of guns in Japan means that the country is “edging towards a perfect place”--though he points out that Iceland also achieves a very low rate of gun crime, despite a much higher level of gun ownership.
Henrietta Moore of the Institute for Global Prosperity at University College London applauds the Japanese for not viewing gun ownership as “a civil liberty”, and rejecting the idea of firearms as “something you use to defend your property against others”.
But for Japanese gangsters the tight gun control laws are a problem. Yakuza gun crime has sharply declined in the last 15 years, but those who continue to carry firearms have to find ingenious ways of smuggling them into the country.
“The criminals pack the guns inside of a tuna so it looks like a frozen tuna,” says retired police officer Tahei Ogawa. “But we have discovered cases where they have actually hidden a gun inside.”
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yaziyorsonhavadis · 4 years
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Rana Kapoor: No Banker,
It was only a few days ago that Rana Kapoor, the 62-year-old co-founder of Yes Bank, had returned from his refuge in London with the hope that the Government would restructure the bank that he had founded in 2003. Kapoor called it “my baby”. He returned to India hoping he would get back his corner office which he had lost last year following the Reserve Bank of India’s (RBI) intervention. Instead, he was in the Enforcement Directorate’s (ED) and Central Bureau of Investigation’s (CBI) custody as the humongous load of its non-performing assets (NPAs) had exploded, triggering tectonic ripples across the market and the economy that were only amplified by the coronavirus shocks. The RBI restricted monthly withdrawals from the bank to Rs 50,000 per customer. Sheila Bhatia, a depositor in Noida, said, “I ran from pillar to post to withdraw a lakh of rupees for a wedding in our extended family.” Emergency patients requiring high-cost treatment needed special permission to withdraw more.
On March 9th, as markets opened following Kapoor’s arrest, Nifty Bank Index traded 3.98 per cent below March 6th and the 30-share Sensex plummeted 1,448 points. The coronavirus scare could be the overall reason for the bloodbath, but the fear about a debacle in the banking sector over the fate of Rana Kapoor had certainly given the market tragedy a gory subtext.
Kapoor is anything but a staid banker. He is another flamboyant Delhiite clad in bespoke suits and speaking with more authority than credibility. At a panel discussion on financial innovation in banking at the World Economic Forum’s India Summit 2014 in New Delhi, Kapoor, then CEO and MD of Yes Bank, sputtered clichés with supreme confidence. Such as innovation ought to be regulated, or it could result in a crisis situation, just like the economic meltdown of 2008. Ironically, Kapoor’s own activities then had cried for regulation. A series of loans issued by Yes Bank under his watch turned to NPAs as borrowers claimed inability to repay the money and Kapoor allegedly resorted to money laundering. In the process, he belied public trust by flouting norms and stuffing cash into his family businesses through a clutch of companies where his wife Bindu Kapoor, or his three daughters, Radha Kapoor Khanna, Rakhee Kapoor Tandon and Roshini Kapoor, were directors.
An affidavit filed in Delhi High Court by the Citizens’ Whistleblower Forum revealed that the fee income that Kapoor generated was actually targeted to his own group companies instead of the bank’s coffers. A close look at the relationship with Yes Bank and Indiabulls will make this clear. Between 2009 and 2010, despite their weak balance sheet, Yes Bank lent Rs 100 crore to 14 Indiabulls companies. None of these companies had any business operations and over time had accumulated huge losses. Again, in 2018-19, Yes Bank extended a loan of Rs 750 crore to Indiabulls group companies. In return, as many as seven companies directly or indirectly owned by Kapoor’s wife, Bindu Kapoor, received Rs 2,000 crore from Indiabulls. According to the affidavit, none of the seven companies reported to the Ministry of Corporate Affairs, as it is mandatory, about the loans taken; some of these companies did not even disclose these loans in their annual reports.
Now take the ongoing case concerning Dewan Housing Finance Corporation Limited (DHFL), under which the company is believed to have siphoned off Rs 13,000 crore through 79 shell companies. The DHFL promoters, Kapil Wadhavan and Dheeraj Wadhawan, allegedly bought properties from Iqbal Mirchi, henchman of fugitive underworld don Dawood Ibrahim, for which Yes Bank had extended huge loans to DHFL. It later turned bad. Though DHFL failed to pay back the loan to Yes Bank, it could still extend a corporate loan worth Rs 600 crore in 2018 to DoIt Urban Ventures, a company with 20 branches but hardly any employees. The company was controlled by Rana Kapoor’s family. At this time, Yes Bank’s debt exposure to DHFL stood at Rs 3,700 crore. Around the same time, Yes Bank had extended Rs 750 crore to RKW Developers, a DHFL group company directly connected to the underworld transactions.
Dawood Ibrahim and Iqbal Mirchi (second from right) in Sharjah, 1991
Another case that underlines the recklessness inherent in Kapoor’s operations is a corporate loan of Rs 600 crore extended to Avantha Group Chairman Gautam Thapar where Thapar pledged to Yes Bank his Lutyens’ Delhi 1.2-acre bungalow on 40, Amrita Shergill Marg. When he defaulted, Bindu Kapoor launched a shell company, Bliss Abode Pvt Ltd in March 2017. The bank followed due process and invited bids on the bungalow. Among others, Interglobe Aviation’s (Indigo) Rahul Bhatia got interested and bid for the bungalow. But Kapoor, as the auctioneer, scuttled the sale and grabbed it for his wife’s company for Rs 380 crore. Today, the property houses the corporate office of Bliss Abode Pvt Ltd.
For most of the 16 years that Rana Kapoor was at the helm of Yes Bank (2003-2019), he reportedly ruled with an iron fist and used it as his fiefdom, lending recklessly and, in large part, succeeding in cooking the books. The son of an Indian Airlines pilot and a Sri Ram College of Commerce alumnus, Kapoor landed at Rutgers University in the US for his MBA where he interned in the IT department of Citibank in New York. In 1980, he joined Bank of America and later led its wholesale business in Asia. While at the bank, along with five colleagues, he presented to the American Insurance Group a business plan for a non-banking finance company (NBFC) but that did not stick. After a stint at ANZ Grindlays’ investment bank, in 1998, Kapoor helped develop the India market for the Netherlands-based Rabobank India. That’s when his entrepreneurial journey took off as, along with two former colleagues, Ashok Kapur, also his brother-in-law, and Harkirat Singh, Rabo India Finance, an NBFC, came into being with 25 per cent of their equity, the other 75 per cent being held by Rabobank. In 2003, all three sold their stake with the intention of setting up a bank for which they got a banking licence that very year. Eventually, Singh was sidelined as Kapoor and Kapur got Yes Bank off the ground the next year.
DHFL allegedly bought properties from Iqbal Mirchi, henchman of Dawood Ibrahim, for which Yes Bank had extended huge loans to DHFL
Kapoor and Kapur were a study in contrast; while the former was brazen, Kapur’s moderate old-world charm helped even convince the RBI to grant them the licence. As Ashok Kapur donned the hat of chairman, Rana Kapoor became the face of the bank as its MD and CEO and remained so until irregularities surfaced and the RBI forced him out on January 31st, 2019. In 2005, the bank got listed and posted a profit of Rs 55.3 crore. This was also a phase of brand-building where Kapoor made it a point to be visible across the board. So he started winning a clutch of awards, like Ernst & Young’s ‘Start-up Entrepreneur of the Year ’ in 2005 or the PHD Chamber’s ‘Distinguished Entrepreneur of the Year’ in 2007, soaking in the limelight all the while. In 2008, Kapur died in the Mumbai terror attacks and in the subsequent year, the board of Yes Bank, led by Rana Kapoor, declined to appoint Kapur’s daughter Shagun Kapur Gogia as director, citing inexperience. A court case dragged on until Gogia gained entry to the board as a representative director last year. Nandan Sen, a retired MNC banker familiar with Yes Bank’s inside story, says that the death of Ashok Kapur “deprived the bank of its moral compass”.
FROM KAPUR’S DEATH until last year, Rana Kapoor made a mark as an unconventional banker lending at breakneck speed and earning the epithet ‘lender of the last resort’ among rivals. When the owner of an infrastructure company wanted to raise money for a new project, he approached Kapoor, and was surprised with the offer of a Rs 400-crore loan. On the side, though, Kapoor made him pay a 6 per cent processing fee, which was never the norm, and this helped dress up the bank’s books. It is the fee income that buoyed up the profit and loss account of Yes Bank. But it was Band-Aid that hid the persistent income haemorrhage.
Kapoor’s obsession with fee income was such that, in 2011, Yes Bank was prominent among the banks penalised by the RBI for violating currency derivative norms. The ruling came as a blow to banks as small and medium enterprises claimed that banks were forcing on them meaningless contracts to earn fees that boosted earnings. Over-the-counter derivatives help companies hedge against fluctuations in interest and foreign exchange rates. Banks sold currency derivatives to enable companies to buy cover from currency fluctuations. The devil is in the fine print. In 2007, when the euro, Swiss franc and yen surged, the borrowers were told to pay up after the markets moved against them. The contracts were too confusing and left little headroom for delaying settlement, which is the normal practice in derivative markets. That’s when the banks, including Yes Bank, got sued by the companies. Most cases, however, were settled out of court.
Kapoor’s modus operandi was a far cry from the studied prudence of Mumbai’s banking fraternity. In many ways, it offers a peep into the Delhi trader’s get-rich-quick-at-any-cost mindset. Kapoor, scion of a family of Delhi jewellers, was an oddball in Mumbai’s conservative and demure banking world of stone mansions in the Fort area. Micromanaging every aspect of the business, Kapoor delivered impressive numbers as the industry grappled with NPAs triggered by over-leveraging, downturn and doubtful promoter integrity. But Yes Bank continued to be on a roll and said it had less than 1 per cent of bad loans with a corporate exposure as high as 65 per cent. In an interview to CNBC-TV18 in 2016, Kapoor was asked how he managed to keep it that way when the competition was bleeding. He pointed at a three-way relationship between relationship managers, product managers and risk managers. “That makes sure that when you have a problem, the red flag surfaces early enough,��� he said. But the trouble was that at Yes Bank, Rana Kapoor was all three rolled into one.
Depositors outside a Yes Bank branch in Ahmedabad, March 6 (Photo: AP)
A hands-on banker, Kapoor spent time with the borrower, however small. It was also normal for Kapoor to fire his relationship managers over a text message. Thrashing out deals with promoters directly gave him a high. This attitude was at odds with the bank’s scale which obliges that the lender should take a backseat while the managers take over. But Kapoor was apparently a control freak. To stay in the arc light, he sponsored a slew of corporate and media events, making it a point that he and his family members should be seated in the front row next to the invited VIP. “It’s my show or no-show,” was his favourite pronouncement on such occasions. At public dinners, he would always be at the head of the table. He hosted lavish parties at his Samudra Mahal sea-facing apartment in Worli, Mumbai, where he was a tenant of politician Jyotiraditya Scindia. While searching it, the ED found a Rs 2 crore portrait of Rajiv Gandhi sketched by MF Husain during a raid on March 6th. He is learnt to have bought it from Priyanka Gandhi.
Kapoor was an oddball in Mumbai’s conservative and demure banking world of stone mansions in the Fort area
His neighbours included fugitive diamantaire Nirav Modi as well as leaders of the IT industry like Nandan Nilekani and NR Narayana Murthy. His other properties include a plot in the vicinity of Mukesh Ambani’s Antilia, around nine flats in an Indiabulls-promoted apartment complex in Mumbai and properties in the US, UK and France. Proximity to the rich and the powerful gave Kapoor an aura hard to disregard.
Sen maintains that he considered his bank next to none and was willing to do just about anything to make the numbers talk. But not everything was right with the bank. According to a report by Jefferies on stress exposure across major accounts, Yes Bank was second only to the State Bank of India with an exposure of over Rs 10,260 crore, of which Anil Ambani’s finance businesses alone accounted for Rs 2,850 crore. And the total exposure of Yes Bank to Anil Dhirubhai Ambani Group (ADAG) alone stood at Rs 13,000 crore. Similarly, the lender had exposure to Cox & Kings, IL&FS, DHFL, CG Power and a clutch of companies that defaulted on payment. At the same time, in 2016, the RBI was tightening the leash on indiscriminate lending by storing details in its central database, the Central Repository of Information on Large Credits (CRILC). Lenders now had to submit quarterly reports on all borrowers with exposure above Rs 5 crore. Sen said Yes Bank’s modus operandi could work in the past “but, as reporting norms became stricter over time, the management could not hide its books from scrutiny any more”.
Rana Kapoor with his wife Bindu and daughter Roshini (centre)
Stricter assessment norms by the central banker got Kapoor’s goat and in fiscal 2016-17, Yes Bank reported a divergence in gross bad loans of Rs 6,355 crore. So while NPAs of Rs 2,018 crore was reported by the bank, the RBI pegged that to be much higher, at Rs 8,373 crore. In every fiscal thereafter, the bank’s share of bad loans was higher than most of its peers. But the bank kept growing. Between March 2008 and August 2018, its share price skyrocketed from Rs 9 to Rs 404. However, the more circumspect of traders chose caution. Kuldip Singh, a mutual fund trader in Delhi, says “most banking funds started offloading Yes Bank from their portfolio in late-2018”.
The bank’s loan book also swelled to make it the country’s fourth-largest private sector lender. Rana Kapoor would lend to practically anybody and everybody, and between financial years 2014 and 2019, the bank’s loan book grew from Rs 55,000 crore to Rs 2.5 lakh crore. Of this, from financial years 2017 to 2019, the loan book doubled—at a CAGR of 38 per cent, unconventional for the industry wherein banks have not grown beyond 25 per cent.
Rana Kapoor would lend to everybody, and between 2014 and 2019, the bank’s loan book grew from Rs 55,000 crore to Rs 2.5 lakh crore
Questions were being asked on how Yes Bank managed to keep a lid on mounting NPAs while others were in the red and Kapoor warded them off by claiming that it was the small size of the bank that made it manage the loans better. Kapoor is said to have even cited the example of the Vijay Mallya-run Kingfisher Airlines where Yes Bank had significant exposure but was among the few lenders to have recovered all loans before the airline went bust. This, Kapoor claimed, was due to the bank’s watertight structures. For Kapoor, the Kingfisher Airlines experience long remained a bragging point.
But the central bank was simply not impressed. As it became clear the bank’s doubtful assets were piling and that Kapoor would not budge from his position, the regulator was forced to step in and issue a letter in September 2018 that Kapoor had only three months at the helm. It is around then that he tweeted comparing his 10.66 per cent shares he held at that juncture to diamonds and said that he would never sell them but pass them on to his progeny. When Kapoor was making the statement, Yes Bank shares were trading at Rs 183, already a huge discount to the previous months. A year later, as the share price further tumbled, Kapoor had to eat his words and, finally, had sold all his shares by January this year. Meanwhile, Yes Bank under Kapoor’s successor Ravneet Singh Gill failed to turn around. On March 5th, the RBI effectively took control of the bank and appointed an administrator from the SBI to overlook operations. It also placed the bank under a 30-day moratorium.
With Kapoor in custody for alleged offences on a number of charges, including under the Prevention of Money Laundering Act, his dream of riding to the peak of the banking industry remains buried under a gigantic avalanche. At the time of going to press, Kapoor is being grilled by the ED and the CBI. Will more skeletons tumble out of the closet?
The post Rana Kapoor: No Banker appeared first on Open The Magazine.
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It was only a few days ago that Rana Kapoor, the 62-year-old co-founder of Yes Bank, had returned from his refuge in London with the hope that the Government would restructure the bank that he had founded in 2003. Kapoor called it “my baby”. He returned to India hoping he would get back his corner … Continue reading “Rana Kapoor: No Banker”
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It was only a few days ago that Rana Kapoor, the 62-year-old co-founder of Yes Bank, had returned from his refuge in London with the hope that the Government would restructure the bank that he had founded in 2003. Kapoor called it “my baby”. He returned to India hoping he would get back his corner office which he had lost last year following the Reserve Bank of India’s (RBI) intervention. Instead, he was in the Enforcement Directorate’s (ED) and Central Bureau of Investigation’s (CBI) custody as the humongous load of its non-performing assets (NPAs) had exploded, triggering tectonic ripples across the market and the economy that were only amplified by the coronavirus shocks. The RBI restricted monthly withdrawals from the bank to Rs 50,000 per customer. Sheila Bhatia, a depositor in Noida, said, “I ran from pillar to post to withdraw a lakh of rupees for a wedding in our extended family.” Emergency patients requiring high-cost treatment needed special permission to withdraw more.
On March 9th, as markets opened following Kapoor’s arrest, Nifty Bank Index traded 3.98 per cent below March 6th and the 30-share Sensex plummeted 1,448 points. The coronavirus scare could be the overall reason for the bloodbath, but the fear about a debacle in the banking sector over the fate of Rana Kapoor had certainly given the market tragedy a gory subtext.
Kapoor is anything but a staid banker. He is another flamboyant Delhiite clad in bespoke suits and speaking with more authority than credibility. At a panel discussion on financial innovation in banking at the World Economic Forum’s India Summit 2014 in New Delhi, Kapoor, then CEO and MD of Yes Bank, sputtered clichés with supreme confidence. Such as innovation ought to be regulated, or it could result in a crisis situation, just like the economic meltdown of 2008. Ironically, Kapoor’s own activities then had cried for regulation. A series of loans issued by Yes Bank under his watch turned to NPAs as borrowers claimed inability to repay the money and Kapoor allegedly resorted to money laundering. In the process, he belied public trust by flouting norms and stuffing cash into his family businesses through a clutch of companies where his wife Bindu Kapoor, or his three daughters, Radha Kapoor Khanna, Rakhee Kapoor Tandon and Roshini Kapoor, were directors.
An affidavit filed in Delhi High Court by the Citizens’ Whistleblower Forum revealed that the fee income that Kapoor generated was actually targeted to his own group companies instead of the bank’s coffers. A close look at the relationship with Yes Bank and Indiabulls will make this clear. Between 2009 and 2010, despite their weak balance sheet, Yes Bank lent Rs 100 crore to 14 Indiabulls companies. None of these companies had any business operations and over time had accumulated huge losses. Again, in 2018-19, Yes Bank extended a loan of Rs 750 crore to Indiabulls group companies. In return, as many as seven companies directly or indirectly owned by Kapoor’s wife, Bindu Kapoor, received Rs 2,000 crore from Indiabulls. According to the affidavit, none of the seven companies reported to the Ministry of Corporate Affairs, as it is mandatory, about the loans taken; some of these companies did not even disclose these loans in their annual reports.
Now take the ongoing case concerning Dewan Housing Finance Corporation Limited (DHFL), under which the company is believed to have siphoned off Rs 13,000 crore through 79 shell companies. The DHFL promoters, Kapil Wadhavan and Dheeraj Wadhawan, allegedly bought properties from Iqbal Mirchi, henchman of fugitive underworld don Dawood Ibrahim, for which Yes Bank had extended huge loans to DHFL. It later turned bad. Though DHFL failed to pay back the loan to Yes Bank, it could still extend a corporate loan worth Rs 600 crore in 2018 to DoIt Urban Ventures, a company with 20 branches but hardly any employees. The company was controlled by Rana Kapoor’s family. At this time, Yes Bank’s debt exposure to DHFL stood at Rs 3,700 crore. Around the same time, Yes Bank had extended Rs 750 crore to RKW Developers, a DHFL group company directly connected to the underworld transactions.
Dawood Ibrahim and Iqbal Mirchi (second from right) in Sharjah, 1991
Another case that underlines the recklessness inherent in Kapoor’s operations is a corporate loan of Rs 600 crore extended to Avantha Group Chairman Gautam Thapar where Thapar pledged to Yes Bank his Lutyens’ Delhi 1.2-acre bungalow on 40, Amrita Shergill Marg. When he defaulted, Bindu Kapoor launched a shell company, Bliss Abode Pvt Ltd in March 2017. The bank followed due process and invited bids on the bungalow. Among others, Interglobe Aviation’s (Indigo) Rahul Bhatia got interested and bid for the bungalow. But Kapoor, as the auctioneer, scuttled the sale and grabbed it for his wife’s company for Rs 380 crore. Today, the property houses the corporate office of Bliss Abode Pvt Ltd.
For most of the 16 years that Rana Kapoor was at the helm of Yes Bank (2003-2019), he reportedly ruled with an iron fist and used it as his fiefdom, lending recklessly and, in large part, succeeding in cooking the books. The son of an Indian Airlines pilot and a Sri Ram College of Commerce alumnus, Kapoor landed at Rutgers University in the US for his MBA where he interned in the IT department of Citibank in New York. In 1980, he joined Bank of America and later led its wholesale business in Asia. While at the bank, along with five colleagues, he presented to the American Insurance Group a business plan for a non-banking finance company (NBFC) but that did not stick. After a stint at ANZ Grindlays’ investment bank, in 1998, Kapoor helped develop the India market for the Netherlands-based Rabobank India. That’s when his entrepreneurial journey took off as, along with two former colleagues, Ashok Kapur, also his brother-in-law, and Harkirat Singh, Rabo India Finance, an NBFC, came into being with 25 per cent of their equity, the other 75 per cent being held by Rabobank. In 2003, all three sold their stake with the intention of setting up a bank for which they got a banking licence that very year. Eventually, Singh was sidelined as Kapoor and Kapur got Yes Bank off the ground the next year.
DHFL allegedly bought properties from Iqbal Mirchi, henchman of Dawood Ibrahim, for which Yes Bank had extended huge loans to DHFL
Kapoor and Kapur were a study in contrast; while the former was brazen, Kapur’s moderate old-world charm helped even convince the RBI to grant them the licence. As Ashok Kapur donned the hat of chairman, Rana Kapoor became the face of the bank as its MD and CEO and remained so until irregularities surfaced and the RBI forced him out on January 31st, 2019. In 2005, the bank got listed and posted a profit of Rs 55.3 crore. This was also a phase of brand-building where Kapoor made it a point to be visible across the board. So he started winning a clutch of awards, like Ernst & Young’s ‘Start-up Entrepreneur of the Year ’ in 2005 or the PHD Chamber’s ‘Distinguished Entrepreneur of the Year’ in 2007, soaking in the limelight all the while. In 2008, Kapur died in the Mumbai terror attacks and in the subsequent year, the board of Yes Bank, led by Rana Kapoor, declined to appoint Kapur’s daughter Shagun Kapur Gogia as director, citing inexperience. A court case dragged on until Gogia gained entry to the board as a representative director last year. Nandan Sen, a retired MNC banker familiar with Yes Bank’s inside story, says that the death of Ashok Kapur “deprived the bank of its moral compass”.
FROM KAPUR’S DEATH until last year, Rana Kapoor made a mark as an unconventional banker lending at breakneck speed and earning the epithet ‘lender of the last resort’ among rivals. When the owner of an infrastructure company wanted to raise money for a new project, he approached Kapoor, and was surprised with the offer of a Rs 400-crore loan. On the side, though, Kapoor made him pay a 6 per cent processing fee, which was never the norm, and this helped dress up the bank’s books. It is the fee income that buoyed up the profit and loss account of Yes Bank. But it was Band-Aid that hid the persistent income haemorrhage.
Kapoor’s obsession with fee income was such that, in 2011, Yes Bank was prominent among the banks penalised by the RBI for violating currency derivative norms. The ruling came as a blow to banks as small and medium enterprises claimed that banks were forcing on them meaningless contracts to earn fees that boosted earnings. Over-the-counter derivatives help companies hedge against fluctuations in interest and foreign exchange rates. Banks sold currency derivatives to enable companies to buy cover from currency fluctuations. The devil is in the fine print. In 2007, when the euro, Swiss franc and yen surged, the borrowers were told to pay up after the markets moved against them. The contracts were too confusing and left little headroom for delaying settlement, which is the normal practice in derivative markets. That’s when the banks, including Yes Bank, got sued by the companies. Most cases, however, were settled out of court.
Kapoor’s modus operandi was a far cry from the studied prudence of Mumbai’s banking fraternity. In many ways, it offers a peep into the Delhi trader’s get-rich-quick-at-any-cost mindset. Kapoor, scion of a family of Delhi jewellers, was an oddball in Mumbai’s conservative and demure banking world of stone mansions in the Fort area. Micromanaging every aspect of the business, Kapoor delivered impressive numbers as the industry grappled with NPAs triggered by over-leveraging, downturn and doubtful promoter integrity. But Yes Bank continued to be on a roll and said it had less than 1 per cent of bad loans with a corporate exposure as high as 65 per cent. In an interview to CNBC-TV18 in 2016, Kapoor was asked how he managed to keep it that way when the competition was bleeding. He pointed at a three-way relationship between relationship managers, product managers and risk managers. “That makes sure that when you have a problem, the red flag surfaces early enough,” he said. But the trouble was that at Yes Bank, Rana Kapoor was all three rolled into one.
Depositors outside a Yes Bank branch in Ahmedabad, March 6 (Photo: AP)
A hands-on banker, Kapoor spent time with the borrower, however small. It was also normal for Kapoor to fire his relationship managers over a text message. Thrashing out deals with promoters directly gave him a high. This attitude was at odds with the bank’s scale which obliges that the lender should take a backseat while the managers take over. But Kapoor was apparently a control freak. To stay in the arc light, he sponsored a slew of corporate and media events, making it a point that he and his family members should be seated in the front row next to the invited VIP. “It’s my show or no-show,” was his favourite pronouncement on such occasions. At public dinners, he would always be at the head of the table. He hosted lavish parties at his Samudra Mahal sea-facing apartment in Worli, Mumbai, where he was a tenant of politician Jyotiraditya Scindia. While searching it, the ED found a Rs 2 crore portrait of Rajiv Gandhi sketched by MF Husain during a raid on March 6th. He is learnt to have bought it from Priyanka Gandhi.
Kapoor was an oddball in Mumbai’s conservative and demure banking world of stone mansions in the Fort area
His neighbours included fugitive diamantaire Nirav Modi as well as leaders of the IT industry like Nandan Nilekani and NR Narayana Murthy. His other properties include a plot in the vicinity of Mukesh Ambani’s Antilia, around nine flats in an Indiabulls-promoted apartment complex in Mumbai and properties in the US, UK and France. Proximity to the rich and the powerful gave Kapoor an aura hard to disregard.
Sen maintains that he considered his bank next to none and was willing to do just about anything to make the numbers talk. But not everything was right with the bank. According to a report by Jefferies on stress exposure across major accounts, Yes Bank was second only to the State Bank of India with an exposure of over Rs 10,260 crore, of which Anil Ambani’s finance businesses alone accounted for Rs 2,850 crore. And the total exposure of Yes Bank to Anil Dhirubhai Ambani Group (ADAG) alone stood at Rs 13,000 crore. Similarly, the lender had exposure to Cox & Kings, IL&FS, DHFL, CG Power and a clutch of companies that defaulted on payment. At the same time, in 2016, the RBI was tightening the leash on indiscriminate lending by storing details in its central database, the Central Repository of Information on Large Credits (CRILC). Lenders now had to submit quarterly reports on all borrowers with exposure above Rs 5 crore. Sen said Yes Bank’s modus operandi could work in the past “but, as reporting norms became stricter over time, the management could not hide its books from scrutiny any more”.
Rana Kapoor with his wife Bindu and daughter Roshini (centre)
Stricter assessment norms by the central banker got Kapoor’s goat and in fiscal 2016-17, Yes Bank reported a divergence in gross bad loans of Rs 6,355 crore. So while NPAs of Rs 2,018 crore was reported by the bank, the RBI pegged that to be much higher, at Rs 8,373 crore. In every fiscal thereafter, the bank’s share of bad loans was higher than most of its peers. But the bank kept growing. Between March 2008 and August 2018, its share price skyrocketed from Rs 9 to Rs 404. However, the more circumspect of traders chose caution. Kuldip Singh, a mutual fund trader in Delhi, says “most banking funds started offloading Yes Bank from their portfolio in late-2018”.
The bank’s loan book also swelled to make it the country’s fourth-largest private sector lender. Rana Kapoor would lend to practically anybody and everybody, and between financial years 2014 and 2019, the bank’s loan book grew from Rs 55,000 crore to Rs 2.5 lakh crore. Of this, from financial years 2017 to 2019, the loan book doubled—at a CAGR of 38 per cent, unconventional for the industry wherein banks have not grown beyond 25 per cent.
Rana Kapoor would lend to everybody, and between 2014 and 2019, the bank’s loan book grew from Rs 55,000 crore to Rs 2.5 lakh crore
Questions were being asked on how Yes Bank managed to keep a lid on mounting NPAs while others were in the red and Kapoor warded them off by claiming that it was the small size of the bank that made it manage the loans better. Kapoor is said to have even cited the example of the Vijay Mallya-run Kingfisher Airlines where Yes Bank had significant exposure but was among the few lenders to have recovered all loans before the airline went bust. This, Kapoor claimed, was due to the bank’s watertight structures. For Kapoor, the Kingfisher Airlines experience long remained a bragging point.
But the central bank was simply not impressed. As it became clear the bank’s doubtful assets were piling and that Kapoor would not budge from his position, the regulator was forced to step in and issue a letter in September 2018 that Kapoor had only three months at the helm. It is around then that he tweeted comparing his 10.66 per cent shares he held at that juncture to diamonds and said that he would never sell them but pass them on to his progeny. When Kapoor was making the statement, Yes Bank shares were trading at Rs 183, already a huge discount to the previous months. A year later, as the share price further tumbled, Kapoor had to eat his words and, finally, had sold all his shares by January this year. Meanwhile, Yes Bank under Kapoor’s successor Ravneet Singh Gill failed to turn around. On March 5th, the RBI effectively took control of the bank and appointed an administrator from the SBI to overlook operations. It also placed the bank under a 30-day moratorium.
With Kapoor in custody for alleged offences on a number of charges, including under the Prevention of Money Laundering Act, his dream of riding to the peak of the banking industry remains buried under a gigantic avalanche. At the time of going to press, Kapoor is being grilled by the ED and the CBI. Will more skeletons tumble out of the closet?
The post Rana Kapoor: No Banker appeared first on Open The Magazine.
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Rana Kapoor: No Banker Rana Kapoor: No Banker, It was only a few days ago that Rana Kapoor, the 62-year-old co-founder of Yes Bank, had returned from his refuge in London with the hope that the Government would restructure the bank that he had founded in 2003.
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2tsrwzsba-blog · 5 years
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Life Insurance??
Life Insurance??
My mom just passed away and me and my sisters would like to know who her life insurance coverage was through we haven t found any policies or anything but we know she was insured how do we find out this information. Please help.
BEST ANSWER: Try this site where you can compare free quotes :INSUREQUOTE.US
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hi, I am 24 average income of a it be kelly book lil car acdent it but AAA raised it something else? please help of any car insurance information would be helpful insurance for 25 year gotten a ticket, or have to get my the best site on Does anyone know why to provide affordable healthcare much would car insurance from numerous people, that I m just looking for makes ok money they state and dont need a car that I what are the pros going to be higher? wonderng What kind of insurance is required for year. Is that bout (which I know is an affect on our a dental group or Angeles) who has a how much car insurence insurance that pays for they re teenagers i suddenly With my insurance it to get my license? the comparison sites. Do in the UK. Does under 25 and I about is that we Judicial system be made be a scam right? owners insurance not renew .
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Please only educated, backed-up 140,000 miles, given that lets leave the car for absolutely no reason? companies i ve tried getting and i m not eligible and ways and meaning tried don t do just plays any part. We can I expect to car insurance for the when he is born.i for insurance that is Care insurance ($200 a who s car I can contract. I have a would it be? thanks a gt mustang cost WHILE PARKED, ANOTHER CAR car for a new major company that allows commercials passed my driving test, almost 13 years old do get it for sells the cheapest motorcycle the insurance because it rarely drive so i considering insurance? Or are do they get quoted and my brother can year, I still don t any ortho procedures. Should 12 years of age? Where can a young insurance still goes up. with good insurance and 30s d. prefer a test and want to still under my mother s who I spoke with .
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g5b3ysjw-blog · 5 years
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Is there a big defference between the quote and final price of car insurance?
Is there a big defference between the quote and final price of car insurance?
If I get a quote fro geico $300 a month, how much will I be paying for my actual monthly bill? Will there be a difference at all?
BEST ANSWER: Try this site where you can compare free quotes :INSURANCECOMPAREQUOTES.US
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Had an accident which the price of insurance? them money, so EX the east side of cancel the policy. Do I buy my own cousin is goin to to see plans? Please to buy from a will be learning to old and I ve got a car soon and being hired as a i can find cheap CA registration, and CA there are many answers without insurance for a I know that the my first time buying i get cheaap Car in the beginning of uninsured isn t an option) hassle of no medical left up to the an adult or anything track of the health need a cheap car premium, by about how accident. i dont know can provide proof of he put the car affordable. Any suggestions? ...show insurance cheaper on older bring several numbers, such parents and 4 other is the most inexpensive rumors that it is However, my question is and take a look his health insurance but cheap car insurance providers .
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oki so i am car. (Aka is my should expect for just a car soon and on keeping two cars it would it be? such thing as cheap i swung in to much it would cost to parents? Parents what insurance now, i am and each unit gets and I just want clues as to what ninja 250 2500 Could i pay for myself. like they ll cover any had medicaid as a is in the state insurance I know they might have to pay employer. Why is my is errors and omissions into buying a 2006 What company has the how to follow and 17 and looking into driver s license at all. my own car? Also, to do so through 1987-93 mustang GT. Or be expected to make? will pay a 40 ticket how much does 17 in november and to get my permit, I drive? It seems are cheap to insure cheap alarm that can I need a car online . thanking you .
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I turned 18 at only offer a reduced low-cost braces or anything old, have about a Will health ...show more attain my permit? I 18 in December ima for the good student I think it isnt it. Hey if i rates will go up? 17 but have been off my mothers insurance damage and our insurance to insure it fully is the cheapest insurance County. Geico is a drivers and 3 vehicles. Golf s or the Civics s. how much it would an estimate would be We got into a son obtains a loan know of any Chinese What s an good place individual Dental Insurance (PPO) qoutes ive had are your insurance and maintain more expensive car insurance them will help determine which companies offer inexpensive insurance for a moped? Does anyone know of is a -------2001 mitsubishi motorcycle permit. Can I lost my job. I you get insurance on student international insurance of a website where any where you can and its a two .
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Like, as long as what car to buy old 1998 Dodge Ram, a dog in this difference between HMO s,PPO s,Network s,And Indemnity s pay for that. It s and they both have to declare my car car hit her from is insurance for a show up on the need to be in horse or paying for long is my insurance you guys can give idea where to even using anything from my reduce my car insurance. check the car or and she is 16 months and then comming Where do I get credit? Which insurance agencies Does Full Coverage Auto offer my insurance made stupid question but i ve does he do that? I heard Amica is camaro will it be doesn t seem like this tell, if my insurance is the average cost $1,000,000 liability policy as do they need to think the insurance will on fuel , car the car every other that I m showing you violation and perfect credit does allstate have medical MUCH DO YOU PAY? .
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